Sub Prime Credit Card Club

Sammy_Girl

Guys, I think I've done something a bit silly....................:o

I was reading Kiora's post where she applied for the Amex (good luck K ), and I was wondering what their criteria were, so had a look on their website. I got drawn to the Platinum Cashback and was reading their eligibility requirements:

• I am aged 18 or over
• I have a current UK bank or building society account
• I have an Annual Household Income of £20,000 (ie. your personal income plus partner's income)
• I have a permanent UK home address
• I have no County Court Judgements for non-payment of debt
• My company has been trading for more than a year (only if you are self-employed)

.....and I thought yes to all if those....so then I was thinking should I apply...................and because the apply button is so darn addictive, I did!!

:eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek:

............and I got what I think was an approval. It said yes but there further down it said that the decision would be made in a few days on the additional card holder........but I checked no for the additional card holder.

So now I don't know what the score is, and I feel so stoooooooopid for resisting temptation

Kiora, which one did you apply for? What did the message say at the end for you?

remybarnie

Unfortunatly you will have to contact all three CRA, they do not share the same database so each database will have to be updated seperatly.

I am sure I read somewhere if you do a disassociation they let the other CRA's know? Will have to search for this now. Dam, why did n't I book mark it. Will post again when/if I find it:rolleyes:

londonuk2008

what type of AMEX was it? GOOD LUCK!!

clio

Sammy
sounds good for you so well done:)

kiora

Hi Guys
The Amex I applied for is the Blue Sky Card, all it said at end of message is pin will be sent in 3 days and card 2 days later, so will keep you updated.

Sammy_Girl

Hi Kiora,

Well done on the card. Keep us updated . What made you apply for it??

xgingerx

Sammy_Girl wrote: »

Guys, I think I've done something a bit silly....................:o

I was reading Kiora's post where she applied for the Amex (good luck K ), and I was wondering what their criteria were, so had a look on their website. I got drawn to the Platinum Cashback and was reading their eligibility requirements:

• I am aged 18 or over
• I have a current UK bank or building society account
• I have an Annual Household Income of £20,000 (ie. your personal income plus partner's income)
• I have a permanent UK home address
• I have no County Court Judgements for non-payment of debt
• My company has been trading for more than a year (only if you are self-employed)

.....and I thought yes to all if those....so then I was thinking should I apply...................and because the apply button is so darn addictive, I did!!

:eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek:

............and I got what I think was an approval. It said yes but there further down it said that the decision would be made in a few days on the additional card holder........but I checked no for the additional card holder.

So now I don't know what the score is, and I feel so stoooooooopid for resisting temptation

Kiora, which one did you apply for? What did the message say at the end for you?

Hi Sammy, what sort of credit file do you have, ie defaults, late payments etc ??

Sammy_Girl

Hi Ginger,

My Experian file is as clean as a whistle - no nasties. My Equifax file holds 2 defaults. One satisfied in December 2005, the other satisfied in March 2007.

I checked my credit reports online tonight, and the Amex search shows on the Experian but not on my Equifax. I'm hoping they just checked the Experian

kiora

Sammy

Liked the idea that the card can earn me travel points, yeah will keep you updated.:D

londonuk2008

Well got my other half to apply for the Flybe card - limited history on file , and was rejected.She had a message saying descion in seven - ten days . Oh well just my Flybe card then . I also applied for another card from them - just waiting as it was a referral also.