Sub Prime Credit Card Club

PROLIANT

Well, in protest to louiser being treated like sh@t, I am closing my account with them on Monday, the stuff is crap anyway, most of it is "Everything's a Pound shop" styli and they don't do interest free either, I have £1000 limit with Kay’s and £400 with Littlewoods and it is all interest free for 12 months so I will take pleasure in telling JD Williams that their stock is crap as is their service and attitude towards customers. BAD CATALOGUE!

chexum

Oh, it's been a few busy days here louiser123 if there's an option of paying minimum with interest and paying it in full without, I wouldn't use the first to make them any more money...

BTW, last week I tried to apply for a capital one card for real, they just promised feedback in 7 days, and exactly 7 days later, they turned me down... Although the letter is dated just 2 days after the application, yeah right.

The application was a bit weird as well, as they ask for a previous UK address in the last 2 years, which I don't have -- but when I mucked around, I accidentally entered the previous country name in the postcode field, and that went through fine.

Capital one claimed "your..credit score was too low for us". Well, their web page says, that this card is for people "with no credit history, for example, who never used credit in the past, or new to the country". I wonder with a couple months of actual history from a real account, how much lower credit score would I have than those folks with no credit history at all???

I guess what it boils down to is that I'm not on the electoral register, or more annoyingly, not according to the CRAs. I'm not touching anything until I can be sure I'm on the roll...

louiser123

aww thanks mr p and clio for your support!!!:D the funny thing is, i have another account viva la diva which is still running, got statement today!!! will be closed post haste as it has balance of 40 quid.

only difference is a default which went on not lang after i opened the account about 2 yrs ago, but i got the viva la diva account and it was on there then.

not entirely bothered at all as the stuff is carp, and cheap items just good for electricals and stuff like that but hey ho, i have grattan so no prob.

naughty bad lady though to speak like that

davethorp

I would join the protest but it's my only catalogue and building up my credit rating

Sammy_Girl

Hey Guys :santa2:

How's it going OH has had man flu for the past week and has finally passed it on to me :mad: So I've been feeling really fluey and achey and generally not happy. I'm supposed to go to a 30th birthday lunch tomorrow and then a family Xmas party tomorrow night. But I ain't going no where if I continue to feel like this - it sucks :mad:

Louiser - sorry to hear about the drama. Sod them and cancel the account - they're not worthy of your business anyway.

I bit the bullet and applied for an Abbey remortgage today. They're doing the credit check on Monday :eek: Nervous weekend for me lol. I have a feeling I'll be rejected. Anyway, thought I would check out what would happen if my current mortgage with SPML (Sub Prime - natch ) just carried on its course after the fixed rate expires. Turns out it's not too bad - not at the moment anyway. When my fixed rate ends I go on a rate which tracks the base rate by 2.49%. So at the current time my APR would be 4.29%. Not bad considering I'm paying 6.39%!!!!

So I'm taking a philisophical view. If I get accepted for the Abbey, and the valuation works in my favour, then I'll take that product (5.84%) fixed for 3 years. This in itself would save me £50 a month on what I'm paying now. If they reject me, then I'll just go onto SPMLs variable and ride it out - until I can get a fixed. Life's too short to be stressing so much.

S x

sutton111

I was wondering were you have been . Good Luck with your mortgage, do you bank with them, does that help?

Sammy_Girl

sutton111 wrote: »

I was wondering were you have been . Good Luck with your mortgage, do you bank with them, does that help?

No I don't bank with them. Mind you I have an old ISA that's got about £2.00 in it lol. I don't think that will help.

I just don't feel optimistic - can't see getting a half decent mortgage until my defaults drop off - and that won't be until April 2013

Anywhoos, how are you?? Looks like you've been keeping this thread lively! Any luck with your cc apps?

sutton111

I'm fine i applied to vanquis again but becuase it was within 6 months i was told to !!!!!! off. I will reapply on the 9TH of Feb. As you probably read JD williams increased my credit limit but i'm unsure about using because what happened to louiser.
X Factor final tomorrow not bothered about who wins but it will be good.
CBB starts in January which will be ........ interesting.

clio

what ever happened to random fat bird does she not post in here any more ??

sutton111

Who's the random fat bird?