Sub Prime Credit Card Club

darcyvuqua

thats well good that you have got that card and had increases whilst having outstanding default and the apr is great

cifpower

I'm quite chuffed with it. The APR is not extortionate and I have never gone overlimit or been late or missed a payment. That along with my Vanquis (paid in full every month), Next Directory, JD Williams catalogue and Orange mobile contract I should have plenty of green [0] on my credit report.

The only things pulling me down are the default, moving house recently (just been added to the Electoral Roll and this has been updated with Equifax and Experian), too many searches (me being stupid - I have scaled back greatly) and a few too many CIFAS flags (application fraud because I wasn't working due to disability and I was told by different companies to put my employment status as unemployed and by others as retired so this has caused the flags to be put on my file because the application details differed)

Sammy_Girl

Evening All,

I received the Credit Agreement from Littlewoods today. Have you guys actually signed it and sent it back? I know I didn't with my Next account, but I didn't want to get into trouble in case I'm supposed to

zeus1234_2

Hello all
Whats latest in sub prime world

fairmorn308

only thing i can see is a few people are still awaiting on there MBNA cards and also littlewoods are accepting people for account and also everything is 0% interest free at the moment.

darcyvuqua

hey guys im just off in a boiling hot bath just had a bowl of soup man flu is not for me even more so when i have it while im on hols from work!!! (

TheAnalyst

TheAnalyst wrote: »

My MBNA £100 cheque cleared today also, does anyone know how long it will be before the card arrives?

thanks!

Any ideas? Anyone that had to pay the £100 deposit actually received their card yet and if so how long did it take?

Ta!

clio

Is ulster bank an instant decision cif power and do they tell you your CL.
plus what are they like as a company ???

Sammy_Girl

Hey Clio,

Did your Kickers arrive??

cifpower

clio wrote: »

Is ulster bank an instant decision cif power and do they tell you your CL.
plus what are they like as a company ???

When I applied you couldn't apply online (like you can now); I had to do the old paper application, post it and await the decision. They are fantastic as a company - really clear statements, easy enough to increase credit limits (I rang them and they told me what I could have) and, as I have a DD set up for a minimum payment, they allow extra payments and still take the DD in full - which is great if you want to pay down the balance as quickly as possible.

edit - it is an instant decision