Sub Prime Credit Card Club

Sammy_Girl

and306 wrote: »

I have a couple of late payments,my equifax is good but most companies i have tried for credit seem to use experian and i have tried a lot lately.My oh has a poorer record than mine due to a default on a cc which was cleared through an iva we both had in 2001, the iva has since been cleared from our files,the default isnt due to drop off until july 09.

July 09 isn't too far away! My last default drops off inb 2013 lol.

There's a thread on the credit card board about what lender searches what cra. My equifax is good, but my experian is pants - so for me it's best to find a lender who only searches equifax. Do a search on the thread and it should come up. A chap by the name of Underground started it and it's very good.

But if you have a lot of searches you may want to calm down, because too many searches smells of desperation to the lenders and they could turn you down just on that.

Sammy_Girl

darcyvuqua wrote: »

hey whos mentioning my name!!!!!!

I did!!!!!! But I'm surprised i remember your name cos it's been so long since I chatted with you!!!!

You not at work today?? I'm eating a nice cheese salad roll. Mmmmm

kiora

Hi Sammy
I got girl flu_pale_ and start new job on Monday, old boss phoned me and offered me my old job back so going back to being 1st Line IT Analyst:j

Sammy_Girl

kiora wrote: »

Hi Sammy
I got girl flu_pale_ and start new job on Monday, old boss phoned me and offered me my old job back so going back to being 1st Line IT Analyst:j

Poor Kiora I hope you feel better soon. I hate the flu, so don't pass it on please

You have to put your pjs on and take your duvet to the sofa and watch telly all day . And don't move!!

Job sounds great, though I have no idea what a 1st Line IT Analyst is . You lot are far too technical for me lol

c8ndice

and306 wrote: »

I have a couple of late payments,my equifax is good but most companies i have tried for credit seem to use experian and i have tried a lot lately.My oh has a poorer record than mine due to a default on a cc which was cleared through an iva we both had in 2001, the iva has since been cleared from our files,the default isnt due to drop off until july 09.

Well as you might have noticed, JJB (Sygma Bank/Creation) only search equifax.

In reply to your other question, going from my own personal experience, My Flybe limit compared to JJB was huge in difference. (I still think it's because with the flybe they give you such a large limit, as they hope you will book flights through their website)

I have sinced closed JJB as my limit of £400 really wasn't beneficial to me.

On another note. I recieved the My World Card yesterday (also from the same company) with a £1000 limit... So not as good as Flybe... BUT for some reason my band has changed within the last 3 months of applying for cards with Sygma.. I was finally accepted for Band A 16.9% which I am happy about :T So the next card to go will be the All Saints one, as that is stuck with an APR of 24.9%

c8ndice

Oh, and I couldn't resist.. I bought myself one of the new Tassimo machines.

The hot chocolate is gorgeous!

Sammy_Girl

Mmmm, I fancy a hot chocolate. With whipped cream and marshmallows . It's so cold outside

skyrider007

I just had a cup of nespresso volluto! Best stuff ever.

craigmc

purplecats1970 wrote: »

im still waiting for my monument card! 3 weeks and still not got it... its my first c/c since bankruptcy in 05!
im so eager to get it and feel part of the human world again lol... how are you all any one been throwin snowballs last couple days.. brrrr

I applied about 4 weeks ago and am still waiting!

Sammy_Girl

I got my mbna statement and I'm sad

Because I got the A&L current account, I chose their switching service. Got all the stuff over that they had contacted all dds etc. MBNA bill was due on 18/10 and a few days before I got a bit twitchy that the old dd had been cancelled and the new one wasn't ready. So I cancelled the barclays dd online and made an online payment for the £90. Unfortunately the dd didn't cancel in time as mbna still tried to take the payment. It bounced back so they've charged me £12 and then the other payment I made didn't clear in time so they've charged me another £12 :mad:

I'm on the phone now on hold so hopefully if I plead my case they might take this £24 off. Worst still, i hope they don't cancel the promo rate otherwise I'll have a lot of interest to pay :eek:

Fingers crossed