Sub Prime Credit Card Club

cifpower

How is it different to the Initial card then?

mattlfc79

If you look at the best suited for section of the initial card it states you musnt have a ccj. On the creditbuilder page there is no such coment. Dont want to apply and have another search if its likely to come back as a no thanks again!

So far have been rejected by:

Crap 1
Vanquis
Flybe
Monument
Aqua

cifpower

I see. Didn't see the difference. I don't see the harm in applying for the card. You have tried all the other sub prime cards and this is the last option for you.

sutton111

cifpower wrote: »

I see. Didn't see the difference. I don't see the harm in applying for the card. You have tried all the other sub prime cards and this is the last option for you.

i think darcy applied last week and got accepted straight away with a £2000 limit.

Sammy_Girl

sutton111 wrote: »

i think darcy applied last week and got accepted straight away with a £2000 limit.

I think Darcy got the Initial. But he has a CCJ tho

OP, how many searches have you got in the last 3-6 months, as too many can have a bad effect. It might be worth waiting a couple of months or so for some to drop off.

Good Luck

DanDan123

Do you have to apply in branch for the Credit builder card?

kpnut79

darcyvuqua wrote: »

anyone heard of hfo?

Hi Darcy,

I don't know if this will help.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/70940-contacted-hfo-what-next.html

You have to scroll down the page, it gives you other people's stories with regards to the company and also a template letter to send to them. Good Luck

louiser123

hi how is everyone?

cam anyone tell me how long it takes barclays to give a yes or no on a credit card app?? applied early last week online, got the we need more time message but havnt heard anything since only one search done on equifax by barclaycard cpu link??

any idea anyone??

sutton111

DanDan123 wrote: »

Do you have to apply in branch for the Credit builder card?

No you can apply on-line it's called the barclaycard initial.

sutton111

louiser123 wrote: »

hi how is everyone?

cam anyone tell me how long it takes barclays to give a yes or no on a credit card app?? applied early last week online, got the we need more time message but havnt heard anything since only one search done on equifax by barclaycard cpu link??

any idea anyone??

My mum applied 3 weeks ago and she still hasn't heard anything, so i take she has been ignored. Bloody barclaycard.