Sub Prime Credit Card Club

Bosie

darcyvuqua wrote: »

hey guys what is the difference between a recorded and a unrecorded search apart from the fact other lenders cant see it do they search something other than usual?

I'd like to know that too, this savings account was open to non HSBC customers, just clicked on apply and it asked very basic questions.
Then the decision was this:

Thank you for your application

We cannot proceed with your request as when we consulted a licensed credit reference agency, the information they gave us relating to you or your finanacial associates caused us to decline your application.


So they must do an enquiry for bankruptcies or fraud.
Send me to the colony:eek:

Bo x

Whamy

Evening All

"Money makes Money" it would also seem "Credit makes Credit" !!!!

Just dropping in to give an update.

Capital One have finally given me a raise in my credit limit having had my account for some three plus years and limit of £200 it has now be raised to £800. Just to give some back ground this was a secured card I started with were I had to leave £200 deposit to get A £200 limit (no longer offered by Capital One).My deposit was returned a while ago but only now has my limit been increased so if there are any old Capital One secured card customers out there check your statements and online you might have had an increase. I have to say the new website makes making payments easy once logged in I was done and paid in about 2 minutes.

Vanquis also seem in a generous mood and have upped my limit to £2000 this card started with a £500 limit and has gone up very quickly. Both these increases Cap1 and Vanquis have been with in the last seven days so I must be doing something right.

Paid my Monument Card today over the phone using my debt card which was a little bit of a painful experience but got there in the end, I don’t think there call centre is in the UK let’s put it that way. Anyway the reason I mention this is they would only take a maximum of £200 over the phone a month on my debit card which means going into the bank to clear the rest of the balance only a minor irritation just thought I’d share.

Have great Weekend Everyone

Bosie

I've decided I'm not applying for a sausage until my bankruptcy drops off the files, under 2 years to go.

Bo x

darcyvuqua

bosie where up north are you from? that 2 years will seem like a life time i bet lol hopefully it goes quite quick for you

Toto

Thanks I'm really pleased because this is my first step to stoozing and a decent mortgage rate. Funnily enough though I was turned down for vanquis 6 months or so ago but did get a littlewoods catalogue which I order something small on once a month and pay off in full, so it really does help.

Woodyrocks

Great idea for a thread - could i join too? Got my Vanquis in January at 46% interest or thereabouts. Credit limit is £250, which I always use and pay off in full each month. I really want to repair my credit rating so that one day, in the next 2yrs at least, I am in a position to apply for a serious loan e.g MORTGAGE!

I am thinking of applying for another credit card next January after giving my file a chance, I really hope it works and can only keep my fingers crossed. Anyhow, it is good to know I am not suffering in sub-prime credit card hell lol TBH I am grateful to even have a credit card

darcyvuqua

hi woody and welcome

COOKIEWILLOW

Get to bed darcy, you working long day tomorrow lol

PROLIANT

Hello Woody and welcome, you will find on this thread anything goes, we talk about everything on here, it is good to have one central place to highlight the sub prime lending market to people who do not know about or feel embarrassed discussing sub prime credit, hope that you find this thread helpful and there is plenty of discussion on here, all nice lad's n lass’s too.
:beer:

darcyvuqua

i know im past tired now lol