Sub Prime Credit Card Club

sutton111

darcyvuqua wrote: »

i wanna know whats going on with yorkshire bank

Did you manage to confirm if it was Experian or Equifax, When i opened my bank account the women in the branch said they searched experian for the bank account and reported the conduct to experian but as far as the credit card goes i'm a little unsure.:cool:

purplepardalis

Hi everyone

I applied for a Flybe card at least 2 weeks ago - I got a we will let you know message but I've heard nothing since.

I'm beginning to think I applied for this in my dreams and not in real life!

I already have 2 credit cards with enough credit but I would like to prove myself as an upstanding member of the credit community and use them for monthly spendings, pay some off completely each month and with some do it over a few - as in hedging my bets etc :-)

I earn good money so not too worried about getting in deep doo doo.

So, have they just ignored me? Did I do it in my sleep?

If you have experience with applying to them please let me know

Cheers!

alfred64

Some people have waited a few weeks - and been accepted.

and306

I applied for the my world card on the 27th nov,i got the 10-14 day message,i ended up phoning them and they said that they were really busy especially with it nearly being xmas and they have had a lot of apps,i would give them a ring and see whats happening with your application.

and306

Forgot to say i got accepted for the card,they done my application there and then,same thing happened when i phoned about the flybe card.

skyrider007

big_Daddy_Dave wrote: »

nah not refund

basically money paid to a card, but its the same as i spent

it payin the balance, does that mean i've made the payment for the month?

or will i still need to make another payment?

If you make a payment before a statement is issued then it will clear off the balance.

thriftymomma

thriftymomma wrote: »

Vanquis tried to call this morning. It was on my 1471. Do they ring you to decline you or could this be a good sign?
And what, if any, questions do they ask when they ring. I'm sitting by the phone waiting for them to call back . Hope they do soon!

Well they got hold of me and it turns out I am accepted. Strangely not as excited as I could be but it's a step in the righ direction. I think it's the 39% that got me lol.
So I now have two CC's that work. Whoop1 I can feel the excitement building! HAH

Ukevas

think all them green 0's

qw3rt7

Hi, i posted this in a new thread, then noticed this one, so will remove the new thread:
.
I have £1300 on a barclaycard at 19.9% (£5000 limit) and £630 on a barclays fexiloan at 11% (£1000 limit).
I would have liked to transfer these to a 12 month 0% as i could easily clear it in that time, but due to a default from British gas (already moaned about this before, so wont go into it now lol!) i cant get a 0% card.
Now barclays have offered me a low LOB transfer deal, or a 1.9% 9 month one, but i don't have any other cards to do the 'shuffle' with.
So, could anyone tell me what 'undesirable' type card would offer me a limit of atleast £2000? I realize these often don't do balance transfers, but i have a way around that.
Many thanks

big_Daddy_Dave

skyrider007 wrote: »

If you make a payment before a statement is issued then it will clear off the balance.

oh right so ill still have to pay it

also, ican i put more money on my card than the credit limit i currently have? say i have a limit of 250 on my vanquis, and i pay money intot he card that takes it to say 500, will that be allowed and would i earn interest on that?

thanks

final one,(those witht he mbna card) i got the mbna letter about the £100 card (i applied for the virgin card back in June when i didnt know anything about credit rating), how long did it take from the day you sent the cheque to the day you received the card

thanks