Sub Prime Credit Card Club

clio

About £2-50 a month interest at 1% do you know what your monthly interest rate is, anyways it,s not a great deal is it. may be less as well, probably work out at under £30 quid for the year.

PROLIANT

cd87 wrote: »

thanks clio i will wait for the famous mr p lol

Hello cd87 and welcome to the Sub prime credit thread, I wouldn't say I was famous just started a thread that has attracted some very helpful and knowledgeable people, so whats your story then?

jembie

Help I am thinking of reporting CAPITAL ONE but not sure where to go.
They are trying to contact me about my account - OK I get that but 7-8 silent calls from them each day for the last week is just not on!! Especially at 8am yesterday and this morning and 9.30 pm Friday night!

clio

MR P
CD87 Was after finding out about searches - here is her post.
"
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 "

PROLIANT

clio wrote: »

MR P
CD87 Was after finding out about searches - here is her post.
"
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 "

As a rule of thumb (I should have learned my lesson by now :rolleyes: ), each credit search drops your score by 30pts approx.

darcyvuqua

is that true mr p??

no wonder im getting nothing i need to let my file calm down lol

cd87

my story is this

i finished school after doing my a-levels and started working in a nursery i completed my nvq level 2 in child care and when i started i was 19 i applied for a halifax credit card and was told to check my credit file so i did all 3 nothing not a credit account application or electrol roll info apart from the halifax search so i read up mostly on here and applied for a capital one card they approved me but with only £100 and i got a catalogue account with littlewoods around 6 months later £750 limit a year on and i still cant get a decent card! capital one did not increase my limit on the 4th statement so i feel im going round in circles not sure what do do i have around 16 searches on my file and 18 months of green 0's

PROLIANT

Ok, first of all try MBNA as they are pretty understanding for new customers with "thin" credit files, I suggest the Virgin card, make sure that you are on the voters register and as a second try Barclaycard as they do a range of products to suite your needs. So you work as a Nursery nurse? I have got my son in a day nursery, he is 1 in November. So where in the world are you from if you dont mind me asking?

cd87

i live just outside of telford at the moment do you think 16 searches are to many tho!

PROLIANT

cd87 wrote: »

i live just outside of telford at the moment do you think 16 searches are to many tho!

Aye, leave it alone for a bit , I have thrice that many on file and I must leave it for a bit before I apply, when and what file was the last search done approx?