Sub Prime Credit Card Club

PROLIANT

ICan'tStandIt wrote: »

What were the changes if it wasn't APR or your limit ?

BRB, I will dig out the papers....

ICan'tStandIt

PROLIANT wrote: »

BRB, I will dig out the papers....

Did you find them?

Hope it wasn't bad news.

PROLIANT

ICan'tStandIt wrote: »

Did you find them?

Hope it wasn't bad news.

Nothing much just credit card speak, changes to how they can take your card off you and cancelyour account without good reason etc, they do seem to be locking down the hatches though, they dont seem to want any business at the moment, guess I will have to wait and see. :rolleyes:

darcyvuqua

hey guys im thinking of leaving hsbc as my primary bank (just a thought at the moment) is there anywhere else that would give me a full current account not that i have lots of 0's and a satisfied ccj i know its still a ccj whether satisified or not but my nearest hsbc is 12 miles away sometimes its a right pain!!

help would be great from the thread guru's lol

also how is everyone tonight????? )

PROLIANT

darcyvuqua wrote: »

hey guys im thinking of leaving hsbc as my primary bank (just a thought at the moment) is there anywhere else that would give me a full current account not that i have lots of 0's and a satisfied ccj i know its still a ccj whether satisified or not but my nearest hsbc is 12 miles away sometimes its a right pain!!

help would be great from the thread guru's lol

also how is everyone tonight????? )

Alliance & Leicester, Halifax Bank of Scotland, Barclays, LLoyds tsb. All do accounts with VISA debit card, try Halifax first.

darcyvuqua

i was after a full account with overdraft etc as thats what i have with hsbc do you think i have anychance of getting one of those when hsbc gave me my account everything was outstanding (ccj and 2 x defaults) so surely i have a better status with getting a full account or i will stay with hsbc!

doelani

Just got a call from Vanquis to say my application has been approved. OMG can that girl talk fast, I kept asking ehr to repeat things. Must be a so you agree to " extras" without realising what they are lol

So this time last week has no credit cards except prepaid and now have 2:T okl not really anything to get excited about , not even sure if I will bother with the Vanquis although the offer to transfer a " lump sum " into my bank account was tempting.

So now waiting on Aquacard...£250 limit and Vanquis £250 limit. Still not sure if I have done the right thing as not even sure what I will use them for , or if I will.

ok just reading vanquis details, should have read them first lol am I right in thinking if I buy something I pay interst from day 1 ? so no interest free? nooooooooo do not like that , can I cancel it again ? I wnat to pay off balance each month but not paying interest for nothing :eek:

cifpower

doelani wrote: »

Just got a call from Vanquis to say my application has been approved. OMG can that girl talk fast, I kept asking ehr to repeat things. Must be a so you agree to " extras" without realising what they are lol

So this time last week has no credit cards except prepaid and now have 2:T okl not really anything to get excited about , not even sure if I will bother with the Vanquis although the offer to transfer a " lump sum " into my bank account was tempting.

So now waiting on Aquacard...£250 limit and Vanquis £250 limit. Still not sure if I have done the right thing as not even sure what I will use them for , or if I will.

ok just reading vanquis details, should have read them first lol am I right in thinking if I buy something I pay interst from day 1 ? so no interest free? nooooooooo do not like that , can I cancel it again ? I wnat to pay off balance each month but not paying interest for nothing :eek:

Our Visa Card comes with these great benefits:

No annual fee
A credit limit assigned at a fixed amount to help you stay in control
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring - we'll warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your Card
Visa is widely accepted in the UK and abroad
Convenient for paying online and over the phone
Friendly UK call centres

doelani

cifpower wrote: »

Our Visa Card comes with these great benefits:

No annual fee
A credit limit assigned at a fixed amount to help you stay in control
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring - we'll warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your Card
Visa is widely accepted in the UK and abroad
Convenient for paying online and over the phone
Friendly UK call centres

yes then on next page found

Interest calculation
Interest is generally charged from the date of all transactions or other amounts charged to your account, until repayment in full. Interest is charged on the daily outstanding balance on your account and debited to your account at the end of each statement period. At statement date, we will add the interest we charge to the outstanding balance on your account. This means that you will generally pay interest on interest.
Interest free period
Up to 56 days interest free on purchase transactions only, where you have paid off two or more consecutive current statement balances in full and on time.


so have to pay 2 months with interest to get the interest free, guess if I do keep it could make a few samll purchases and pay interst on them then get the interst free facility as long as balance paid, just seems complicated

doelani

opps duplicate