Sub Prime Credit Card Club

cifpower

kiora wrote: »

Asked for further details before they can finalise a decision just got to play the waiting game

That's what Ulster Bank (also part of the RBS group like Tesco) asked of me - 3 months bank statements. Took about 2 weeks for them to make a decision and I didn't get the statements back until about a month after I got my card. The card itself just came out of the blue! I was so happy when it arrived.

kiora

To be honest wont be too disappointed if they say no, they have already done a credit check so must have got through that (hopefully)was just gobsmacked that they didn't say haha you must be joking especially as my credit file resemble swiss cheese.

fairmorn308

well i got accepted for the MBNA card but got a letter yesterday from BOS saying my income is to high for the type of card i was applying for. I think that is total crap tho.

Just awaiting on the Ulster card now to see if i have been accepted.

cifpower

fairmorn308 wrote: »

well i got accepted for the MBNA card but got a letter yesterday from BOS saying my income is to high for the type of card i was applying for. I think that is total crap tho.

Just awaiting on the Ulster card now to see if i have been accepted.

I applied for the Halifax card (banked with them for over a year and have a £500 OD) but they turned me down because my credit to income ratio is too high. Wouldn't be surprised if its my Next Directory account pulling me down. They vary their credit limits like I don't know what - one month £1500 and the next £350 which is what it is now.

fairmorn308

thats exactly what they said to me my income is 2 high tho.

Not to bothered tho really. I have a next account aswell just got it last week. Also just awaiting on answers back about my sigma card ( JJB )and also my ulster. If i can get at least one of them then i will be happy enough for now

PROLIANT

dragon2121 wrote: »

What about loans, who are the lenders lending to the subprime market at the moment?

Everyday Loans, they check Equifax but deal in the sub prime market, rate for risk type lending i.e the greater credit risk you are the higher interest you pay.

https://www.everyday-loans.co.uk

darcyvuqua

well guys just getting over my man flu and im off to pontins tomorrow untill friday i dont care if its poo as if there is a bar and a bed that will be awesome if you all know what i mean i still cant believe that i have a credit card i keep looking at it lol what a nerd i know but i know alot of you can relate so will not be on for a few days after tonight

PROLIANT

darcyvuqua wrote: »

well guys just getting over my man flu and im off to pontins tomorrow untill friday i dont care if its poo as if there is a bar and a bed that will be awesome if you all know what i mean i still cant believe that i have a credit card i keep looking at it lol what a nerd i know but i know alot of you can relate so will not be on for a few days after tonight

Well, enjoy your jolly mate and I hope the weather keeps fine for you, back to work for me tomorrow though. So what ya been up to all weekend?

darcyvuqua

nothing really mate just chilling from the man flu i will enjoy a week at the pub away from home so what more could i ask for

cifpower

PROLIANT wrote: »

Everyday Loans, they check Equifax but deal in the sub prime market, rate for risk type lending i.e the greater credit risk you are the higher interest you pay.

https://www.everyday-loans.co.uk

What kind of APRs do they offer?