Sub Prime Credit Card Club

PROLIANT

darcyvuqua wrote: »

mbna £500 limit too hsbc sent me a refusal this morning mate not really bothered now lol seriously mr p thanks for all the words of encouragement and what a great thread you started i hope everyone reading this stays possitive im proof that you will get there in the end )

Darcy, mate everybody who has contributed on this thread (minus a few muppets) have all supported one and other, you really deserve that chance to get you on the credit card ladder, and to be accepted by the elite MBNA is something really, now you can continue moving forward. Very well done.

:beer: :beer: :beer: :beer: :beer: :beer: :beer: :T :T :T :T :T :bdaycake: _party_ :dance: :dance: :dance: :dance: :dance: :whistle: :whistle:

carolan78

darcyvuqua wrote: »

mr p i love you your great and the rest of this group i love you all too apart from the odd gayer that is here for just argument sake


i am now a subprimer or even a little bit better off than sub sub prime apr of 19.9% not bad first ever credit card after all the work i have done on my credit file cheers guys im so happy

*streaks across the thread whooping for joy* Congratulations darcy this time next year you'll have zero searches and be ready to apply for the 0% deals

darcyvuqua

i bloody hope so when i rang they said that i might even get a 0% deal in 6 months if my account is managed well trust me it will be! im not bothered about 0% right now as long as i am on the ladder i am happy but in a years time i will hopefully have a nice string of 0's and a limit increase but thats for then and right now im overjoyed

louiser123

what super news!!!!


congrats especially mbna!

one day i hope to be accepted by an elite card issuer, well done!!:beer:

darcyvuqua

i still cant believe i am accepted i just rang them up just to make sure that it was not a mistake £500 limit and capital one said no subprime lender not even willing to give me a chance with £100 oh well not bothered now

THANK YOU MBNA lol

louiser123

i honestly think its a lottery hubbys credit file is fine but cant get vanquis or any other card except cap one and aqua. i on the other hand have been accepted for vanquis with bad credit file! so i reckon its pot luck in some ways not sure if im right on that but thats how it feels.

TheAnalyst

darcyvuqua wrote: »

i still cant believe i am accepted i just rang them up just to make sure that it was not a mistake £500 limit and capital one said no subprime lender not even willing to give me a chance with £100 oh well not bothered now

THANK YOU MBNA lol

Fantastic news mate and thanks for posting because I just tried them after reading this and have also been accepted!!!

It's not the same deal as you though, It asked me to call them after applying and the woman explained that they cannot offer me the silver mastercard but they can offer a Visa with a £500 limit & 29% apr but I have to sign some forms and pay a £100 deposit. Apparently if I keep it up for 6 months then I'll be upgraded to a decent card and my £100 will be returned.

So that's a Vanquis 4 months ago, Capital one last week & now MBNA today! :T Strange thing is, Aqua will not touch me!

I think the main thing now is to stop applying, I have 41 searches in the last year, about half in the last 2 months. I reckon if I use all three cards wisely and clear the balance and do not apply for a full 6 months then come next Feb I'll be in 0% territory! :j


Could not have dont it without the information on this thread so thanks everyone and congrats again Darcy!

msaquib

TheAnalyst wrote: »

Fantastic news mate and thanks for posting because I just tried them after reading this and have also been accepted!!!

It's not the same deal as you though, It asked me to call them after applying and the woman explained that they cannot offer me the silver mastercard but they can offer a Visa with a £500 limit & 29% apr but I have to sign some forms and pay a £100 deposit. Apparently if I keep it up for 6 months then I'll be upgraded to a decent card and my £100 will be returned.

Hi was that Vanquis or MBNA?

starM

darcyvuqua wrote: »

mbna £500 limit too hsbc sent me a refusal this morning mate not really bothered now lol seriously mr p thanks for all the words of encouragement and what a great thread you started i hope everyone reading this stays possitive im proof that you will get there in the end )

Hi, Which MBNA card did u apply for? Can you provide a link please?

Thanks - StarM

darcyvuqua

TheAnalyst wrote: »

Fantastic news mate and thanks for posting because I just tried them after reading this and have also been accepted!!!

It's not the same deal as you though, It asked me to call them after applying and the woman explained that they cannot offer me the silver mastercard but they can offer a Visa with a £500 limit & 29% apr but I have to sign some forms and pay a £100 deposit. Apparently if I keep it up for 6 months then I'll be upgraded to a decent card and my £100 will be returned.

So that's a Vanquis 4 months ago, Capital one last week & now MBNA today! :T Strange thing is, Aqua will not touch me!

I think the main thing now is to stop applying, I have 41 searches in the last year, about half in the last 2 months. I reckon if I use all three cards wisely and clear the balance and do not apply for a full 6 months then come next Feb I'll be in 0% territory! :j


Could not have dont it without the information on this thread so thanks everyone and congrats again Darcy!

great news i was lucky to get a 19.9% but if you are wanting a credit card on the subprime side i think mbna is worth a try i cant get onto equifax but they have checked experian the least best file of mine and still acccepted me