Sub Prime Credit Card Club

pink_fairy_5

kiora wrote: »

Just thought I would post an update on MBNA CC application. Phoned them at lunch and have been accepted for the 19.9% Classic Visa with £500 limit and £100 deposit. The lady on phone says that if I run card for 6 months within limit and no late payments they will upgrade card and raise my limit and refund the £100. To be honest I was a bit surprised as I have defaults although they are settled but the card is being classed as a credit building card. Hope you other guys that applied got the news you wanted.:j :beer:

Congrats - same as me :beer:

dolally_2

kiora wrote: »

Just thought I would post an update on MBNA CC application. Phoned them at lunch and have been accepted for the 19.9% Classic Visa with £500 limit and £100 deposit. The lady on phone says that if I run card for 6 months within limit and no late payments they will upgrade card and raise my limit and refund the £100. To be honest I was a bit surprised as I have defaults although they are settled but the card is being classed as a credit building card. Hope you other guys that applied got the news you wanted.:j :beer:

Hmm, don't know what to do. I have sent my signed agreement back to bank of scotland so should get the card soon. I feel a bit left out of all the MBNA love though so am considering applying, I have only applied for the BOS card so far, do you think I'd get the mbna one? Are 2 cards better than one when it comes to credit rating?
Ah, to apply or not to apply - that is the question

emmy05

dolally wrote: »

Hmm, don't know what to do. I have sent my signed agreement back to bank of scotland so should get the card soon. I feel a bit left out of all the MBNA love though so am considering applying, I have only applied for the BOS card so far, do you think I'd get the mbna one? Are 2 cards better than one when it comes to credit rating?
Ah, to apply or not to apply - that is the question

:rotfl: :rotfl: :rotfl: :rotfl:

that apply/submit button could be the root of all evil

darcyvuqua

hey guys i rang mbna today to find out about that card it is in fact a credit rebuilding card only offered by the underwriters however it does take satisfied debt if anything is outstanding they will not take you WILL NOT take you
hope this helps if you are wanting to apply

Karma67

Ahhh they must have checked my Equifax file aswell as Experian.....Experian all clear and lots of nice '0' thanks to Cap One and Vanquis and my bank...but 1 old default still on Equifax file

Might no call them now!

TY for pms btw

cas-dor

Gillianh2 wrote: »

Well I am sooooooooooooooooooo Jealous:rolleyes: cant get accepted for any of the above. Well TBH havent tried the aqua, cap one or vanquis this year, but did try for the one beginning with M (having a senior moment:rotfl: ) a couple of weeks ago and got a big fat no:D So am stepping away from the apply button in the hope that the horrid credit file will start to look a little better:A Time is supposed to be a great healer eh lol:rotfl: :rotfl: :rotfl:

am so to apply again.am new to have a credit becouse i dont have any credit history at all. i applyed.for barcz card big fat no,aqua,vanquis debenhams,capital1,littlewood. am still receiving this big sorry.what should i try i just what to start building my crdit rcd.help me p.s.

kiora

Darcy,
Although I was declined for silver card women on mbna did say that i would get the credit building card,when she said i could not get silver card because of defaults when i said that they are satisfied and that waiting for credit reference files to update that is when she offered me the other card, so maybe it depends on who you speak to.

darcyvuqua

try mbna the card with the £100 up front is for people with none or little credit history

moon1970

Thats interesting Kiora as I am in the same postion as my credit file has not been updated. I did explain this and she still said no she said I need to update my credit file and then apply again. I think it does depend who you speak to.

darcyvuqua

kiora wrote: »

Darcy,
Although I was declined for silver card women on mbna did say that i would get the credit building card,when she said i could not get silver card because of defaults when i said that they are satisfied and that waiting for credit reference files to update that is when she offered me the other card, so maybe it depends on who you speak to.

very interesting good call maybe people who dont get the card should follow this advice and call them up nothing ventured nothing gained they have run a credit check so nothing really to lose