Sub Prime Credit Card Club

evanjonesaber

No offence caused here Mr P...just intrigued by your sexual fantasies!

londonuk2008

Hahahaha!!!

Sammy_Girl

PROLIANT wrote: »

Sorry guy's, a little dry humour for a Saturday night, please accept my appologies in advance for any offence caused.

You could at least wait until the Watershed Mr P . Think of the young and impressionable

londonuk2008

evanjonesaber wrote: »

No offence caused here Mr P...just intrigued by your sexual fantasies!

lets save that for another Facebook group......:rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

PROLIANT

linton73 wrote: »

maybe thats why your single mr p

give it a try you never know u might like it lol

I am in a relationship, but dont do cucumbers....more of a nurses uniform and suspenders man!

Sammy_Girl

Dermot's looking hot tonight

evanjonesaber

Sammy_Girl wrote: »

Dermot's looking hot tonight

So's cheryl....I would be on her like flies on ****!

Sorry...bringing the level down a bit...I'll hush up!

londonuk2008

Anyway I still havent heard back about my latest card application for 'My world' - its been over two weeks.

darcyvuqua

evanjonesaber wrote: »

So's cheryl....I would be on her like flies on ****!

Sorry...bringing the level down a bit...I'll hush up!

copper or not i would batter you with the cucumber for chezza she is well fit mmmmmmhuh

sscott5581

Sammy_Girl wrote: »

Hey Steven,

Well, 2009 is gonna be a good year for you!!! Prime High Street Lenders all the way :T

TBH, I think the bankruptcy would be your main hurdle with some of the potential lenders. But like you've seen already, it's a bit of pot luck. You have successfully received a number of cards, but been declined by others. If only we knew how lenders score us it would make things a lot more clearer and avoid uneccesary applications if we knew for certain that we didn't meet their criteria.

If I were you, I would lay off the applications until June when your file is completely clear of the nasties. Then you can pick and choose what cards to go for, as opposed to the other way round.

The plus points are; your current credit agreements aren't maxed out, you have available credit but choose not to use it (less risky to the lender than if you had no available credit) ; you have a decent job with a decent wage ( we all know you oil riggers are on mega money ); and you have shown good account activity since your discharge.

Really, the only negativity is the bankruptcy. Unfortunately, nothing to be done about that, but as you've seen they can still accept you based on your positives.

I'm rambling. Basically, 50/50 on getting the cards you've applied for. Your best bet is to lay off the searches until you get discharged, as the last thing you want is to have no bankruptcy or defaults, but are hit with a load of searches instead

Fairmorn graduates in May 2009, you lucky sod

Thanks

I agree with you no more credit searches but you know what it is like - you just cant resist temptation - will they or wont they accept but hey you are right bankruptcy off my file but lots of searches - so for me thats it until next year.:cool:

Good luck to you as well!!