Sub Prime Credit Card Club

christhesparky_2

a quick update from the weekend,

I applied for a lloyds current account at the weekend, checked my credit file and they have only done a generic identification search on experian

good sign or not

maka_2

How easy is it to obtain a mbna sub prime card?? as im fed up with cap one

HelenaJ84

Can I just ask how long you should carry on with a capital one classic, before you could look at switching to a main stream.. 6 months / a year?
My mortgage company who I called yesterday about my fixed rates out of the blue asked me if I'd be interested in their CC.. never asked me before! because I didn't want a search on my report I declined, as I'm not rebuilding credit - I'm building it, and don't want to have footprints splattered all over my credit report.
Do most people apply for one or two CC's at the same time, or am I better staying with capital one for the next 6 months or longer and just using the card as I would cash, and repaying in full, which was my original intention.
Ironically I did ask my bank about a CC, and it was declined, but was told I should have spoken to an advisor rather than do an online application.??? I only have my current account and now capital one, so maybe that was why, as I was nervous entering the world of credit, but have done now merely so in the future if I need to purchase larger goods on credit I have that option.

I have to say capital one have been brilliant, good customer service and the application was easy and card arrived within 10 days, its just the high interest that I'd like to move away from at some point, will capital one look at that in a few months, I don't mind staying with them as they gave me the chance to get on the credit ladder.

Thanks
Helena

jembie

Vanquis have upgraded my credit limit. I have jumped from £250 to £750 YAY! I didn't think I would ever be in a position to upgrade.

I am not going to go and blow it though

emmy05

well done jembie, i find vanquis are great for upping limits :beer:

emmy05

HelenaJ84 wrote: »

Can I just ask how long you should carry on with a capital one classic, before you could look at switching to a main stream.. 6 months / a year?
My mortgage company who I called yesterday about my fixed rates out of the blue asked me if I'd be interested in their CC.. never asked me before! because I didn't want a search on my report I declined, as I'm not rebuilding credit - I'm building it, and don't want to have footprints splattered all over my credit report.
Do most people apply for one or two CC's at the same time, or am I better staying with capital one for the next 6 months or longer and just using the card as I would cash, and repaying in full, which was my original intention.
Ironically I did ask my bank about a CC, and it was declined, but was told I should have spoken to an advisor rather than do an online application.??? I only have my current account and now capital one, so maybe that was why, as I was nervous entering the world of credit, but have done now merely so in the future if I need to purchase larger goods on credit I have that option.

I have to say capital one have been brilliant, good customer service and the application was easy and card arrived within 10 days, its just the high interest that I'd like to move away from at some point, will capital one look at that in a few months, I don't mind staying with them as they gave me the chance to get on the credit ladder.

Thanks
Helena

hiya helena, im not quite sure what would be your best bet to do tbh, apart from go for it and see what you might be able to get ...... and good luck if you do

darcyvuqua

still nothing from capital one on my 4th statement what will it increase to as its starting with only £100 just curious will it go up to £500 as that is what the guys with a limit of £200 are getting?

sharon-lalala

Done a stupid thing, applied for Monument card online-waited for thier 60 second instant decision(more lke 6 seconds).........NO. Apparently they use credit call? or call credit? Who?
Am i bothered? Yes
Going to stay away from the buttons now! It was a daft thing to do anyway

DIVA07984

Hi - i seem to be applying like everyone else on this site - i know my credit is terrible . But i have just had a look at my credit file- on annual report.co.uk and was surprised to see that i have 3 fraud warnings - how i dont know

Welcome finance- never applied to them at all

blackhorse- already have finance with them - i did apply for a loan it says refused - fraud

lloyds tsb - i tried via phone to open a basic account - the lady asked my name dob and address put me on hold - then asked me to repeat my address - then said unfortunatley NO

How can i get these off my report

All the credit cards i have applied have all been declined - now i can see why

Help any ideas please

emmy05

ive no idea what mine says and im not likely to take a look either after yours lol