Sub Prime Credit Card Club

londonuk2008

Well I decided to apply for the 'Flybe' card today . Like the idea of free flights , anyway got a instant YES! Only thing is , I then realised it is run by the same company who administer my 'JJB' card - no problems , had this for around six months ...........but a naff limit of only £250! So wondering if they will give me a worse limit!

Now , I have no adverse history or missed payments. Anyone else had experience of this?

clio

dunno m8 not had a card of theirs, i pushed the boat out and applied for the tesco credit card today and was accepted straight away...

londonuk2008

well done m8!!!

clio

cheers matey \0/
They do it in mastercard and visa, decided to have a visa this time for a change....

pendle68

hi all
i wonder if you could help me. I am having a few money problems. Credit card company wont freeze interest. I got a letter to day saying they have taken money out of my halifax account to cover a payment for credit card, without asking.they said that i should read my terms and conditions. Do they have the right to do this without asking me first. I have already been charged for going over my overdraft.
:mad: :eek:
lol
pendle.

clio

yeah i,m afraid so m8, best thing you can do is try and put it in another bank account otherwise they will keep doing it and are not bothered if you get charges because of them taking money out..

PROLIANT

No Aron, this is called "statistics" mate, they use data mining algorithms to compare your credit profile with that of other known good, low risk customers, not saying that you are a bad payer or anything like that it is just standard practice. Yes it is frustrating to get knocked back, it makes you feel bad I know, if you have been knocked back as many times as I have you tend to become immune to the "computer says no" response, have you checked all three of you credit files to see if there is any dodgy data on there?

PROLIANT

aron wrote: »

Hi, i have only checked Experian so far. I have never had problems getting credit before which was why i didn't understand it because i know people in a much more unstable financial position to me who were accepted straight away.

Have you been doing one of my favourite tricks and applying for to much credit in a short period of time?

pendle68

clio wrote: »

yeah i,m afraid so m8, best thing you can do is try and put it in another bank account otherwise they will keep doing it and are not bothered if you get charges because of them taking money out..

hi there
thanks for your help.
what do you advise next?
i cant switch accounts, because i have a overdraft to pay back.
I need a account.
lol
pendle
x

darcyvuqua

well done clio did it give you a limit?