Sub Prime Credit Card Club

darcyvuqua

why did they do that????

cifpower

darcyvuqua wrote: »

why did they do that????

I have no idea. I asked them but they refused to tell me. I think it could be my address history (I haven't always been on the electoral roll so they can't trace me) or my employment history (I don't work due to a disability and won't be able to and I am never sure whether to opt for retired or unemployed. Some banks say use one thing (medically retired) and others say use the other (unemployed) so me choosing between the two may constitute application fraud)

darcyvuqua

cifpower wrote: »

I have no idea. I asked them but they refused to tell me. I think it could be my address history (I haven't always been on the electoral roll so they can't trace me) or my employment history (I don't work due to a disability and won't be able to and I am never sure whether to opt for retired or unemployed. Some banks say use one thing (medically retired) and others say use the other (unemployed) so me choosing between the two may constitute application fraud)

that sucks what up if you dont mind me asking??

cifpower

darcyvuqua wrote: »

that sucks what up if you dont mind me asking??

I have a bi-polar disorder

fairmorn308

what you guys think about this?

i have a credit limit from cap 1 for £500 but balance of £250ish and paying it off in full next week. Was thinking of calling them to pay it off instead of online and say am closing account due to getting better card from MBNA and say i have a £1500 limit with them ( which i only have £500 hehe ) and see what they say about increasing my limit with them or something.

worth a try?

cifpower

fairmorn308 wrote: »

what you guys think about this?

i have a credit limit from cap 1 for £500 but balance of £250ish and paying it off in full next week. Was thinking of calling them to pay it off instead of online and say am closing account due to getting better card from MBNA and say i have a £1500 limit with them ( which i only have £500 hehe ) and see what they say about increasing my limit with them or something.

worth a try?

I would only cancel the CapOne card if you really don't need it.

fairmorn308

am not planning on cancelling it but maybe worth a try to call there bluff to see if they do increase it

cifpower

fairmorn308 wrote: »

am not planning on cancelling it but maybe worth a try to call there bluff to see if they do increase it

What if you don't call their bluff and they do cancel it? Can you do without it?

darcyvuqua

i did not have a clue what you were on about so i checked on Wikipedia man that really sucks my mate dad had a similar situation when his wife died in a car crash and i know it takes a long time to fix if it ever can be fixed just remember there are people who care and anyone who put you down are extreme idiot who have never had problems themselves!:cool:

fairmorn308

cifpower wrote: »

What if you don't call their bluff and they do cancel it? Can you do without it?

well i could call there bluff and then change my mind and say will have a think about it.

No i dont need it as got my MBNA card but be good to just have in just in case.

worth a try i think?