Sub Prime Credit Card Club

kiora

Hope you enjoy your holiday Darcy, just what you need after you have had man flu, heard its more deadly than ebola :rotfl:

PROLIANT

cifpower wrote: »

What kind of APRs do they offer?

They give me £500 @ 94% Apr, but the more you borrow the lower the rate, bearing in mind the state of my file...:rolleyes:

cifpower

PROLIANT wrote: »

They give me £500 @ 94% Apr, but the more you borrow the lower the rate, bearing in mind the state of my file...:rolleyes:

Crikey that's high. Even higher than Welcome finance!

(but then again I have a Provident loan with £480 left to pay :eek: )

fairmorn308

fairmorn308 wrote: »

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

so what does ppl think my chances are of gettingh any of the above

Sammy_Girl

witches_cauldron wrote: »

How have you been running your current account with Barclays? Sounds like you have a low internal behavioural score with them?

My Barclays account has been run extremely well. I've had the account over a year now as it got transferred from Woolwich. Never had any charges, never gone over my limit. Whatever, it's their loss lol

darcyvuqua

i have just been reading up on the pontins reviews of south port well i could be arriving home the same dat as i arrive there if the reviews are anything to go by i hope it aint that bad i cant be doing with it!!

dragon2121

Applied for halifax card and got rejected :-( ..... but applied for flybe card online and got accepted :-) .... must be because they use equifax and not experian!

Anyone know what credit limits they offer i.e. will it be a minimal one of £250 or likely to be higher?

If only I could find a loan provider that used equifax only!

darcyvuqua

i have just been on the phone to british gas (just before i leave for a week in pontins) and to my suprise and a long argument on the phone british gas have agreed to remove my 2 defaults i asked for them to confirm this in writing and he said the file will be cleansed today! so how long does that mean ie to show that they have been removed from my file

if they come true i will be so so happy and will start on removing my ccj altho i cant see that being removed no matter how hard i try

dolally_2

dragon2121 wrote: »

Applied for halifax card and got rejected :-( ..... but applied for flybe card online and got accepted :-) .... must be because they use equifax and not experian!

Anyone know what credit limits they offer i.e. will it be a minimal one of £250 or likely to be higher?

If only I could find a loan provider that used equifax only!

Is your equifax file clear then? I took the following off their website:

Who is eligible to apply for a Flybe Card?
UK (including Isle of Man and Channel Islands) residents aged 18 years and over and over with a UK (including Isle of Man and Channel Islands) bank or building society account. You will need to provide a landline telephone number for home or work and have a regular source of income through full-time or part-time employment of more than 16 hours per week (this can be you or your partner), or be a student, retired or on incapacity benefit. Finally, you need to have a clean credit history, ie, no arrears, defaults, County Court Judgments (CCJs), bankruptcies or Individual Voluntary Agreements (IVAs). You will also need to provide an active email address in order for you to register with the Rewards4all programme.


It doesn't sound like a subprime card.

Pleased to hear about British Gas, although they shouldn't have put them on in the first place :mad:

pink_fairy_5

darcyvuqua wrote: »

i have just been on the phone to british gas (just before i leave for a week in pontins) and to my suprise and a long argument on the phone british gas have agreed to remove my 2 defaults i asked for them to confirm this in writing and he said the file will be cleansed today! so how long does that mean ie to show that they have been removed from my file

if they come true i will be so so happy and will start on removing my ccj altho i cant see that being removed no matter how hard i try

:T well done with bg, that great news, sorry i dont know the answer but well done! hope you have a great holiday.