Sub Prime Credit Card Club

Justy

Exactly, use it as a guide rather than anything specific.

Cheers Proliant, I'll have a look into them. Would you say that the Catalogues have really helped boost your score or has it been just a little bit?

PROLIANT

Justy wrote: »

Exactly, use it as a guide rather than anything specific.

Cheers Proliant, I'll have a look into them. Would you say that the Catalogues have really helped boost your score or has it been just a little bit?

They have helped, but the true test will be May 2009 when I go for the big boys cards like MBNA.

darcyvuqua

i will have to wait till 2011 to play with the big boys!

PROLIANT

I read somewhere that Capital One issue a Classic Card with a security deposit, i.e you pay £100 deposit and they give you a £200 limit and it is guaranteed acceptance?

darcyvuqua

i think they stopped doing that now!!

skyrider007

PROLIANT wrote: »

I read somewhere that Capital One issue a Classic Card with a security deposit, i.e you pay £100 deposit and they give you a £200 limit and it is guaranteed acceptance?

That product is now discontinued by Cap1. They still do it in the US I think.

darcyvuqua

i wish that this was still offered as it is a good way to show your stable and then them issuing a normal card as this is a good way to establish a relationship!!

PROLIANT

darcyvuqua wrote: »

i wish that this was still offered as it is a good way to show your stable and then them issuing a normal card as this is a good way to establish a relationship!!

You could start an appeal portfolio i.e copies of your credit file and highlight stuff to them, a letter to explain what it is you are trying to achieve, tell them everything and even offer a deposit, you never know they might see sense and help you out mate, there are a hell of alot of people out there who don't have any intention of repaying the debt's and those are the people who they should knock back and not the genuine people who are trying to sort it out.

skyrider007

World's Worst (Sub-prime) Credit Card*!


http://www.youtube.com/watch?v=FunpS4QXcRI

* Fortunately, not available in the UK

darcyvuqua

PROLIANT wrote: »

You could start an appeal portfolio i.e copies of your credit file and highlight stuff to them, a letter to explain what it is you are trying to achieve, tell them everything and even offer a deposit, you never know they might see sense and help you out mate, there are a hell of alot of people out there who don't have any intention of repaying the debt's and those are the people who they should knock back and not the genuine people who are trying to sort it out.

i agree to this but i dont blame creditors for refusing me as to them im a non payer just wish that they would look at my notice of correction and give me a break £100 start off and they would see i was good to my word hey ho as you all have i will get there and join you