Sub Prime Credit Card Club

hopeless_case_2

hi got my lloyds classic account stuff yesterday no cheque book yet though and dozy me must have applied in my name only not in joint as i usually do but hey never mind he dont really use it anyway. Wondering if cheque book will arrive today?

hopeless_case_2

Oh and this is by far the best thread on this site!!

ExNicotineQueen

kpnut79 wrote: »

Hello,

I subscribe to Identity watch (Equifax) through my Capital One card..you get two free reports a year, and if you need anymore you can recieve them at reduced price.

I also subscribe to Experian on a quarterly membership.

Thank you for this. I am with Capital One so will check that feature out. I know you can get the paper versions for a couple of quid however I'm lazy and would prefer the information to be online/at my fingertips.

I recently got a letter in the post from Style telling me that my HMV Style card will be no more from January 2009 as Style are withdrawing from the scheme. In said letter it said to apply for a RBS card, reference number and telephone number. I called them up on Saturday and applied for the credit card and was declined. Then the lady said do I want to open up a current account and tried to sell me one which you have to pay a monthly fee on, I said no, just want a normal non-fee paying current account and asked if the current account came with a ‘proper’ debit card and not a Solo or Electron card and she said yes, she asked if I wanted an overdraft I said no and apparently I was approved for their current account. :j

How strange that I was declined for the credit card yet approved for the current account. Still, can’t complain! :beer:

sutton111

well done on getting a proper current account. Will it be maestro not solo then.

sutton111

hopeless_case wrote: »

hi got my lloyds classic account stuff yesterday no cheque book yet though and dozy me must have applied in my name only not in joint as i usually do but hey never mind he dont really use it anyway. Wondering if cheque book will arrive today?

Did it come with a cheque guarantee with your debit card?

wannabe123

just to let ya know natwest and rbs are one of the more leanient banks i should know worked for them for 10 years but be very careful as they willkeep wanting to lend u but when u need help they dont wanna know but i know u guys have all learnt ya lesson and are starting fresh but anythingi ya need to know give me shout and london u have a pre assement screen which will offer the loan and they do a quick search on equifax and bank internal search

londonuk2008

wannabe123 wrote: »

just to let ya know natwest and rbs are one of the more leanient banks i should know worked for them for 10 years but be very careful as they willkeep wanting to lend u but when u need help they dont wanna know but i know u guys have all learnt ya lesson and are starting fresh but anythingi ya need to know give me shout and london u have a pre assement screen which will offer the loan and they do a quick search on equifax and bank internal search

Thanks for that - I didnt see any searches come up! Anyway - would that mean my bank ' internal' score must be quite high? Also how would I qualify for a servicecard 250?

Thanks

hopeless_case_2

sutton111 wrote: »

Did it come with a cheque guarantee with your debit card?

No it did not i am sooooooooo dozy sometimes never thought to look on the back to see if it had guarantee thing on never mind if i am good i might get it changed in 6 months or so lol.

Breezy85

Hey guys, been a serious lurker on this board for sometime and have been using the tips people have suggested.

My credit rating is quite bad (2 defaults) missed payments etc

Applied for Vanquis card a few weeks back, suprised I got accepted. £250 limit and 34%
Will pay it off in full each month so not worried by the interest.

To anyone else who has the card, god its ugly! so plain looking and whats with it being blue on the front and white on the back - looks so cheap lmao

Ahh well least it doesn't say "Vanquis Bank" on the front I suppose.

Now heres hoping Natwest finally give me a Maestro in a few months <fingers crossed>

Breezy

sutton111

Breezy85 wrote: »

Hey guys, been a serious lurker on this board for sometime and have been using the tips people have suggested.

My credit rating is quite bad (2 defaults) missed payments etc

Applied for Vanquis card a few weeks back, suprised I got accepted. £250 limit and 34%
Will pay it off in full each month so not worried by the interest.

To anyone else who has the card, god its ugly! so plain looking and whats with it being blue on the front and white on the back - looks so cheap lmao

Ahh well least it doesn't say "Vanquis Bank" on the front I suppose.

Now heres hoping Natwest finally give me a Maestro in a few months <fingers crossed>

Breezy

have you applied for one?