📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Sub Prime Credit Card Club

156575961621034

Comments

  • kitkat35
    kitkat35 Posts: 22 Forumite
    Part of the Furniture Combo Breaker
    I applied online for a capital one card and my application was referred. I was surprised to receive an acceptance letter and signed and returned my agreement. I did not receive anything through the post so gave them a ring. Have now been told that have not been approved and to reapply in 6 months. Am disappointed to be accepted and then declined.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    kitkat35 wrote: »
    I applied online for a capital one card and my application was referred. I was surprised to receive an acceptance letter and signed and returned my agreement. I did not receive anything through the post so gave them a ring. Have now been told that have not been approved and to reapply in 6 months. Am disappointed to be accepted and then declined.
    Sorry to hear that, but Capital one have been known to do this, they do an initial check then another one after they have got the agreement back. :rolleyes:
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    kitkat35 wrote: »
    I applied online for a capital one card and my application was referred. I was surprised to receive an acceptance letter and signed and returned my agreement. I did not receive anything through the post so gave them a ring. Have now been told that have not been approved and to reapply in 6 months. Am disappointed to be accepted and then declined.
    that is a right kick in the teeth
    you cant change yesterday
    but you can make tomorrow better
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    kitkat35 wrote: »
    I applied online for a capital one card and my application was referred. I was surprised to receive an acceptance letter and signed and returned my agreement. I did not receive anything through the post so gave them a ring. Have now been told that have not been approved and to reapply in 6 months. Am disappointed to be accepted and then declined.
    Why don't you appeal to them? I compiled an appeal letter for darcy so if you want to take a look at that and use it go for it, just put your own data on there and send it to them.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Here is a link to the template, just transpose the template to suit your own situation.

    http://forums.moneysavingexpert.com/showthread.html?t=922297&page=20
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • kitkat35
    kitkat35 Posts: 22 Forumite
    Part of the Furniture Combo Breaker
    Thanks Proliant - I will probably apply again later. I was surprised to be accepted as I have a couple of defaults outstanding so will probably wait until I am able to pay them off.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Have you tried Aqua or Vanquis?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • kitkat35
    kitkat35 Posts: 22 Forumite
    Part of the Furniture Combo Breaker
    I applied to Vanquis in January but was declined - not sure how lenient they are with defaults. I do actually have an Aqua card however but was just trying my luck with the other two.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    are the defaults still outstanding kitkat
    you cant change yesterday
    but you can make tomorrow better
  • kitkat35
    kitkat35 Posts: 22 Forumite
    Part of the Furniture Combo Breaker
    I also tried Monument but to no avail!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.