Sub Prime Credit Card Club

hopeless_case_2

just tried for monument card and got a big no

sutton111

hopeless_case wrote: »

just tried for monument card and got a big no

there saying no to everyone it seems at the moment.:mad:

wannabe123

sutton all he has do is after 3 months ask them to see if he can have a can i say switch maestroe too long but they will tell him if he can they will look at his pre assesment screen and as long as he been in credit should be ok but some times offers o/d first before switch so for switch can some times take upto six months good banking :A

Sammy_Girl

Crikey, you guys have been busy for the last hour lol.

Sutton, yes PC Rav is a bona fide copper. He did work at Peckham police station for years but has taken a break to concentrate on his tv work. He was on that wall programme with dale winton on Sat lol. In a nice tight spandex suit

Anyways, Wannabe, you're providing some great info I have a question What about mortgages? We're remortgaing in the new year and my broker thinks that we could get a high street lender (we're currently sub prime). OH has squeaky clean files, and I have 2 defaults on my Equifax, one settled in Oct 2005 and one settled in March 2007. No defaults on Experian. What do you think our chances are

Money, HSBC is one of the hardest cards to get so you've done well there :T Make sure you make a payment every month, and then in 6 months you should get another mainstream card no probs. But that's ok, you can be an honorary sub primer lol

wannabe123

hopless i got a big fat no from monument but got accepted for alliance and leicester premier account and credit card

PROLIANT

Has anyone tried the old Vanquis Visa latley? They seem to accept people with low/Adverse credit ratings.

sutton111

My mate got he maestro without even asking they just sent him one out how mad is that.

hopeless_case_2

so do you reckon theyeven do a credit check then?

Sammy_Girl

PROLIANT wrote: »

Has anyone tried the old Vanquis Visa latley? They seem to accept people with low/Adverse credit ratings.

I love my Vanquis card I don't know why, I have a strange attachment to it lol. I think it's the £250 limit, so I don't spend much on it - it controls my spending lol

wannabe123

by ek flooded with questions ok sammy chances are very high at high street bank as i had 4 defaults older than 1 year and oh had none and we got one no probs again they look at ur good history as well although things tightned up at mo due to credit crunch but trust ya mortgage adviser my best friend is one had no probs getting us one if needs be they will refer to undewriters and as an ex underwriter defaults are not a concern more ccj iva bankcruptcy hope that helps