Sub Prime Credit Card Club

kpnut79

Hello All,

I have just applied for the Flybe card..but got the 7-10 days response..Is this a good thing??

I have held a capital one card since january 08 but the limit is only £100 and has not yet had an increase! After about 2 years of applying I got a phone call on Monday to say I have been accepted for a Vanquis card with a limit of £250 however the APR is high. so I am thinking if I can get another card with a lower interest rate i can transfer my balances and cut the interest rates down - this is why I have applied for the Flybe card!

My other problem is I have 2 credit cards, A CCJ that was settled in 2005 and about 3 defaults which are all settled again in 2005 and I can't seem to be able to upgrade my bank account so I am stuck with a basic account. I wouldn't mind too much but I work full-time, have all my tax credits etc paid in and child benefit and they wont upgrade it...any ideas??

doelani

phoned Vanquis and statement date was 3rd october, have not recived it yet but just paid full balance over phone by debit card.:T

Phoned Aqua to check date statement is due, activated card on 30th September, used for first time on 5th October and he told me I was due to make a payment BY 10th October :eek: :eek: :eek: :eek: I knew this was wrong but he insisited so in the end he went off to check, how the heck could I owe money when he told me the statement cut off point was 23rd September and my card was not used until October???

Well eventually he came back and said this statement was 0.00 balance lol This is hard work:rotfl:

cas-dor

cas-dor wrote: »

We are pleased to tell you that your application for an Alliance &
Leicester Premier Direct Current Account has been successful. We are now
setting up your new account. We will send you written confirmation in the
post within the next couple of days.

Based on the information you gave us, we are not able to offer you an
overdraft. If you applied for a Moneyback Credit Card with your Premier
Direct Current Account application, this has been cancelled. However, if
you use our Premier Switching Service, we may be able to consider matching
an overdraft you have with your existing bank. We will send you a Welcome
Guide shortly. Please read this for more details about matching an
overdraft. The Welcome Guide also contains all the information you need to
be able to manage your account.

This message is for information only. You cannot reply to this message by
e-mail.


Jacky Timmings
Current Accounts Direct

i was accepted for it i want know it is it everybody getting O/D they didtn give one and cancelled the CC it is becuse am student or becouse i do hve a MBNA cc, and does anyone have this acc.it is just to use online or like all bank cards. help

Sammy_Girl

cas-dor wrote: »

Hi Cas-Dor,

It looks like you have been refused for the overdraft. But your application for the current account has been accepted so you will receive the debit card and chequebook shortly.

I don't know what their criteria is for a CC and overdraft. It could be because you already have an MBNA card as they are the same company.

I have received an overdraft on my account, but I haven'y had any word on the cc application yet.

Congrats on getting the account. Another nice set of green zeros to add to your report

Sammy_Girl

kpnut79 wrote: »

Hello All,

I have just applied for the Flybe card..but got the 7-10 days response..Is this a good thing??

I have held a capital one card since january 08 but the limit is only £100 and has not yet had an increase! After about 2 years of applying I got a phone call on Monday to say I have been accepted for a Vanquis card with a limit of £250 however the APR is high. so I am thinking if I can get another card with a lower interest rate i can transfer my balances and cut the interest rates down - this is why I have applied for the Flybe card!

My other problem is I have 2 credit cards, A CCJ that was settled in 2005 and about 3 defaults which are all settled again in 2005 and I can't seem to be able to upgrade my bank account so I am stuck with a basic account. I wouldn't mind too much but I work full-time, have all my tax credits etc paid in and child benefit and they wont upgrade it...any ideas??

Hi KPnut

Quite a few have got that message from Flybe, but it's a bit of a waiting game. It is not automatically a no, it just means that they want to review your application first.

Have you tried for an MBNA card? A lot of us on here have been successful.

RE the bank account, again a lot of us have recently been accepted for the Alliance & Direct Premier Current Account which is a full account complete with a Visa Debit and chequebook.

Best person for you to speak to is Darcy, as he has a settled CCJ and is still successful in applying - just be careful that you don't apply too much as this will harm your credit score.

Good luck and keep us posted

S x

PROLIANT

Evening peep's, how is everyone?

clio

Alreet Radgies how's tricks !!! \0/

haraltremorian

Applied for the Blue Sky Card - 4 defaults - no CCJ's - 4 recent searches

Got the following response. What da ya think?

Thank you for your application.

We are unable to provide a decision at this time. We have recorded all the relevant information and will finalise your application as soon as possible.
We'll send you a note in the post within the next 10 days to advise you of the decision.

In the meantime, if you have any questions, please call us on 0870 606 6906 and quote reference number .
Thank you for your patience.

cifpower

After paying my Next account off they have just raised my CL from £350 to £1500! Don't worry, I'm not tempted!

Sammy_Girl

Evening All :j

Quiet on here tonight................how is everyone? Anyone heard from Darcy Boy??