Sub Prime Credit Card Club

darcyvuqua

hey paul does oh have a satisfied ccj???

londonuk2008

Evening all - so peoples Vanquis is blue. Mine is orange? Weird... anyway as I said last night balance transfers done!

londonuk2008

emmy05 wrote: »

i was offered the same deal and thought ba11s to that, ill pass, see what i get offered after xmas maybe, well done on the card :beer:

Exactly what I thought , I have no bad or negative info , so couldnt understand . Also I remeber MBNA were charging £25 per year! Not even Vanquis do that!

:rolleyes:

Sammy_Girl

Evening All :j

I haven't had anything in the post yet from A&L. Has anyone who got accepted received their welcome stuff yet??

butch_dingle_2

got my flybe card in, 3K limit. that means in the last year i have managed

natwest m/c - £450 limit (now 950)
rbs gold m/c - £1050 limit
flybe m/c - £3000 limit

:T

darcyvuqua

hey butch what nasties have you on you file matey

butch_dingle_2

darcyvuqua wrote: »

hey butch what nasties have you on you file matey

i have a satisfied default from sep 2003 - so that is due to drop off next year. apart from that all my payments are up to date. I was one of the first with an aqua card - £250 limit which now has a £2250 limit (card is hidden away for dire emergencies only), and a vanquis, which I have just cancelled but had a £1750 limit.

All my payments are up to date. I got the natwest card because I was banking with them at the time - I since moved my account to RBS (same company), and applied for a card thru the direct banking website. Interestingly it is a joint account and my missus has the same default (that was a joint account too). She earns less than me, but her credit limit on the RBS card was £3500 - applied for on the same day. work that one out.


and guess who the default is with ? - yep RBS.

sutton111

butch_dingle wrote: »

i have a satisfied default from sep 2003 - so that is due to drop off next year. apart from that all my payments are up to date. I was one of the first with an aqua card - £250 limit which now has a £2250 limit (card is hidden away for dire emergencies only), and a vanquis, which I have just cancelled but had a £1750 limit.

All my payments are up to date. I got the natwest card because I was banking with them at the time - I since moved my account to RBS (same company), and applied for a card thru the direct banking website. Interestingly it is a joint account and my missus has the same default (that was a joint account too). She earns less than me, but her credit limit on the RBS card was £3500 - applied for on the same day. work that one out.


and guess who the default is with ? - yep RBS.

lol, does that mean some lenders look at the past 3 years or do they search the last 6?

butch_dingle_2

sutton111 wrote: »

lol, does that mean some lenders look at the past 3 years or do they search the last 6?

i think it means that your internal credit score with your bank is more important that the score they get from the CRA's.

also I am pretty convinced that the majority of lenders will just decline as soon as they see a default.

sutton111

Hi, my brother just got his vanquis card, how long do you have to wait before the credit limit is increased, can you have an other card holder?