Sub Prime Credit Card Club

Sammy_Girl

doelani wrote: »

um thanks, cannot remember if I had to sign anything for my prapaid, probally not , will try for the vanquis once I talk about it with hubby lol

Hi Doelani :hello:

As Mr. P says, apply for the Vanquis card online? What do you have to lose? I have 3 defaults on my file, and in the last few months got Vanquis, Cap 1 and MBNA. Vanquis gave me £250 limit which is better than nothing, but it does allow me to rebuild my credit. I only use it online so only ever run up a bill of £60 or so a month. I don't ever use it in shops only because I can never remember the pin and keep losing the reminder pin they send me lol.

Go for it, and if they say no they say no. But if they say yes, then great!

Keep us updated

Sammy_Girl

darcyvuqua wrote: »

hehe am i making you wet was just messing around with mse the other night you know with the picture thing lol i will change it now lol

That's a shame

doelani

Sammy_Girl wrote: »

Hi Doelani :hello:

Go for it, and if they say no they say no. But if they say yes, then great!

I applied and it said something like " cannot give you an instant decission " will hear in 10 days. So guess thats a no. I acually felt sick when I submitted the application.

Sammy_Girl

doelani wrote: »

I applied and it said something like " cannot give you an instant decission " will hear in 10 days. So guess thats a no. I acually felt sick when I submitted the application.

It's not necessarily a no. I got the same message and then I got a phone call a few days later to say that it had been accepted. I think there's quite a few of us on here with the same message, some get it, some don't.

You've got to test the water sometime.....I know, it's like leaping into the unknown!!

pink_fairy_5

Hello everyone :hello: how are you all?

well after keeping my new card safely tucked away i finally christened it, made a purchase, paid off instantly and then a balance transfer.

off to glamourous life of washing and cleaning :rolleyes:

nice pics darcy

doelani - Sammy_Girl is right they may phone you in the next few days so there is still hope

dragon2121

jayjayuk wrote: »

heya good luck with zopa

that was the rate i got cause im only 22:A

i was so happy to pay off my 70% loan with everyday leanding :eek:

saving over 2k :j

i borrowed all i needed.

and some goodnews i got my letter saying mbna have recived my cheque etc..... even thou it cleaved well over a week ago.....

Thanks - just got rejected by Zopa. It's so annoying when you go through the whole process and they ask for addtional info and then reject you due to the credit check.

They carry out a credit check with Equifax when you first make the application and it put me in the A rating. I then send a copy of my wage slip to prove income and they then reject me the next day! grrrr

Got my flybe card through today though :-)

dolally_2

I applied for a capital one card this morning (little bit addicted to applying but this is the last one!!)

Anyway, they said yes straightaway (wahoo!) and I "signed" an online agreement but now I am starting to worry that they will change their mind as I have read about them doing this - anyone know how likely this is?

This is my first instant approval for years and years so I am stupidly happy about it!

I am thinking that my other applications were always going to be referred though because I did them at night - this is the first I have made in office hours - does this make a difference?

Sammy_Girl

Afternoon All!!!!

Fairy, well done on your first purchase lol. Now that you have done your balance transfer, remember not to purchase anything else on the card otherwise you will be paying the interest forever!!! My MBNA is definitey the nicest card I have in my purse, and it's killing me not to be able to whip it out and buy something lol!!

Dolally, I know exactly how you feel. My MBNA instant approval was the first one I have had in a long time lol. It does make you feel really good, I was so happy for days lol!!! Do you have the MBNA yet??? I agree, it is totally addictive. But not to get the money, just that feeling that you have been "accepted" and that you're so trustworthy lol. We're daft aren't we!!!

Dragon, that blows. Can you appeal the decision?? Great news about the Flybe card tho. I would love to apply but I'm forcing myself not to. Not until after my remortgage goes through!!

yay, 2 minutes til home time and then I'm outta here :j :j :j

dolally_2

Hi Sammy,

No, I haven't got the mbna yet but I only sent back the agreement and money this week so I won't get it for a while yet.
I agree that it can be addictive to apply - I even started a thread about it!! I think I really just wanted the instant yes as I felt so dejected everytime I got the "we'll think about it"!

I just hope that the capital one card turns up as otherwise the delight at the instant approval will disappear quite rapidly!!

We will all get there eventually........

clio

well done dragon on getting your new CC

Sammy are your smilys working again, mine are so it may off been this sites problemo eh!!

Dollay you should be OK..