Sub Prime Credit Card Club

doelani

Sammy_Girl wrote: »

Oohh, sounds awful :eek:

What bank did you work for......don't tell me A&L???

lol no I used to work for Abbey

feddie1984

Sammy_Girl wrote: »

Phew, I'm in the clear

Just got off the phone to a lovely lady. She has reversed the two charges and the £5 interest on those 2 charges. She has made sure the 1.9% promo rate is still on, and she manually set up my DD

Plus, she said that no black mark will be made against my report as a payment has to be more than 30 days late before they report it as a late payment.

I am nervous about this switching service. I haven't changed my salary details so that will be paid into my Barclays as usual tomorrow. Fortunately I have a £1.5k o/d with A&L so if any DDs come out of there then they will be covered. So I will just transfer the money from Barclays to A&L. Bit random that I don't know which account the DDs will come out of. I'll just have to keep a close eye this month I think!

Doelani, why didn't you like the switching calls?? What was so bad with them??

Hey Sammy,

Just incase you didn't know, if you do an online transfer to your A & L account from your barclays, it will be instant as barclays use fast pay, sadly the other way round doesn't seem to be the case, but that's life!

Penny-Pincher!!

Quick question......OH applied for an MNBA card and was accepted but he has to send £100 deposit for a £500 limit. His credit is good but he just doesnt have much history...is it worth doing? He has a Flybe with 4K limit, but wondered how good MBNA are?

Thanks

PP
xx

Sammy_Girl

Penny-Pincher!! wrote: »

Quick question......OH applied for an MNBA card and was accepted but he has to send £100 deposit for a £500 limit. His credit is good but he just doesnt have much history...is it worth doing? He has a Flybe with 4K limit, but wondered how good MBNA are?

Thanks

PP
xx

Hi Penny,

Personally I think that MBNA are very good. A few on here have got the £100 deposit card. Apparently they give the deposit back after 6 months I think. And if you can show that you use the card sensibly then you get better APR and limit. It's worth a shot to better his credit rating.

MBNA are good for checking statements etc online as well.

clio

P-P
It may be good just to build his credit history back up, maybes use it for small purchases and pay off bill in full.
It can only help establish himself better in my eyes. How long has he had the FlyBe card then??

Penny-Pincher!!

Thanks Guys!

He has just had his 1st statement from Flybe. He just doesnt have any history as everything has always been in my name.

Should he send off the £100 then do you think? He also has a mobile contract and another CC with a small limit but no debt on any of them.

PP
xx

clio

Nah i,d not bother if he allready has and is using another card on top of the flybe card.

jack290292

:jWey-hey my Vanquis CC arrived today..starting limit £500. This is my first CC since finishing my IVA last year...just waiting for the Aqua on to arrive now. Going to use them wisley paying them off in full each month and then in say 6 months time try for one with better interest rate.

Thanks to everyone on here for the help and advice.:T

c8ndice

clio wrote: »

C8ndice
what apr band is oyur flybe card and was it an instant decision!

Band B 19.9%, and yes it was an instant decision.

The My World card wasn't though. Got the usual 7-10 days message, but the card came through the door yesterday. It took about 4 weeks :eek:

louiser123

omg omg, is anyone there???
i cant believe it, i have just applied for flybe card and had instant acceptance ( or i think i have) it said congratulations your application has been accepted, what happens next, we will send your card and pin in the next 7-10 days!!!!!!!!
this is an instant yes isnt it???

first one i have ever had!!!!!!

no idea of credit limit though!!

was this what everyone had?? im on cloud nine, watch them change thier mind now and send the buggar off letter!!! lol