Sub Prime Credit Card Club

fairmorn308

darcyvuqua wrote: »

has anyone got a flybe with a satisfied ccj?

yes i got one with a unsatisfied CCJ which is due to drop off this month.

4k limit

go for it darcy

jody04c

Been with Aqua for three years and now have been upped to a Limit of £2400 due to good payments and my old Defaults dropping off.. Last one leaves in Jan 09!! Wo Hoo!!! Clean Credit File at last... One pointer is that Aqua seem to up the Limit but also up the APR!! Im sitting on 38.9%!!! This is high enough for me not to use it anymore and thankfully I have been accepted for Abbey Zero at 18.9%....

My advice is that if you can not get Mainstream Cards then try them as I have no issues with Aqua apart from the recent APR hikes which make the Card far too expensive to justify!!

Hope this helps!!!

:T

clio

well done Jody good move was that - what was the apr before it was hiked up to 38.9%

sharon-lalala

sscott5581 wrote: »

You should phone them up and find out, they are open till 7.30pm 0871 376 9222.

No No-too scared, think i will just sit it out and wait but will def let you all know. It does seem to be pot luck on here who gets accepted and who doesnt-perhaps these companies have some sort of secret formula OR maybe they can see something we cant!!! :rolleyes:

sharon-lalala

clio wrote: »

sharon you never no you have to kep the faith till you get it in black n white

Thanks Clio-thats what i like about this place-your all so positive:T

londonuk2008

Dunno if I have done wrong here , I have my card with 0% balance transfers on and used last night to pay for a family meal (meant to use a different card) . Will that screw me up , when I get my statement , and with the repayments? I have since read this morning on here that maybe you should'nt spend on a 0% BT card.

clio

Does the card have 0% on purchases if so you'll pay no interest on the purchase until after it runs out. when it does you will continue to pay interest till the BT is payed off. won't be much though if the apr is low..

cd87

hi guys been reading this thread from pretty much the start so registard today only my 2nd post so sorry in advance!

i have a capital one classic with £100 limit had it 18 month never have had an increase and i got it due to no credit history!
i have applied for some credit cards recently and was turned down but i have had a good credit history for all of the 18 months can anyone tell me how many point off your score does a search take

ie 1 search = ?? points

i know there may be no set in stone answer but there must be a rough guide

thanks in advance guys i love this thread and feel i know you all so well

ps love the banter lol

clio

hello there cd87
there,s no points as such, but a rule of thumb is roughly about 4+ searches per year would not harm you, MR P will no better exactly how many over a period of time.. i do know a lot of searches harm your chances of being accepted..

londonuk2008

clio wrote: »

Does the card have 0% on purchases if so you'll pay no interest on the purchase until after it runs out. when it does you will continue to pay interest till the BT is payed off. won't be much though if the apr is low..

No just 0% on balance transfers.