Sub Prime Credit Card Club

londonuk2008

Also forgot to say - when I applied the search never showed up on my file?

clio

is vanguis really 50 % apr , god thats shocking i know they have to make profit but not 4% a month, rip of bar stewards lol...

londonuk2008

I had a Vanquis at 39% - upped the limit a few times and sent credit card cheques (never used) - and then finally a APR to 50% - when I called they said it was a bussiness descion!!! I said I have no lates/missed payments and you must like me to up my limit to 2k! But they said nothing we can do....

Anyway a good 'credit' rebuilder if nothing else.

Sammy_Girl

My Vanquis is 39%. Still no limit increase though

I got my Next statement through and it's £300 this month :eek: . I was thinking of paying half but then looked at the APR and it's 24% so I think I will bite the bullett and pay the full amount. That'll teach me to spend so much lol.

Also got my A&L debit card yesterday. Has anyone had the CC from them yet? I still haven't heard anything

clio

Ive only ever had 1 apr rise and that was argos about 3 months ago, it went from 17.9 to 20.9, i still use it mainly coz they have 3 months interest free. which is really good. other than that they can shove it where the bugs don't bite

londonuk2008

Sammy_Girl wrote: »

My Vanquis is 39%. Still no limit increase though

I got my Next statement through and it's £300 this month :eek: . I was thinking of paying half but then looked at the APR and it's 24% so I think I will bite the bullett and pay the full amount.

Me and the other half are murder with Next!!!! One account I would hate to close....:rotfl:

londonuk2008

clio wrote: »

Ive only ever had 1 apr rise and that was argos about 3 months ago, it went from 17.9 to 20.9, i still use it mainly coz they have 3 months interest free. which is really good. other than that they can shove it where the bugs don't bite

Lot bug's down south?
:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

Mbat2

londonuk2008 wrote: »

I had a Vanquis at 39% - upped the limit a few times and sent credit card cheques (never used) - and then finally a APR to 50% - when I called they said it was a bussiness descion!!! I said I have no lates/missed payments and you must like me to up my limit to 2k! But they said nothing we can do....

Anyway a good 'credit' rebuilder if nothing else.

Hi,same here,always paid on time.After writing to them I was told there was nothing they would do and to take my complaint to the financial ombudsman.

sscott5581

Applied for FlyBe card and have been accepted with £800 credit limit.

Phoned up on Thursday and they told me I had been accepted. Applied on 24 September.

Have bankruptcy registered on my CRF, originally bankrupt May 2003.

Hope this helps.

clio

well done scotty, good result...
btw whats the apr with flybe i know its variable but whast the least / most?