Sub Prime Credit Card Club

Mbat2

alfred64 wrote: »

Vanquis advertise their card 34% typical apr and with no annual fee.

New customers pay no fee. Existing customers who had the card when a £25 yearly fee existed - which includes myself - STILL PAY £25 per year.

When I first had the card my interest rate, too, was around the 35% mark.

Two and a half years later it is 50% !

And I have never missed a payment, nor paid late, etc. The latest increase was 3% in October.

I consider this to be very unfair, and next month I am cancelling the card.

O.k, they gradually raised my credit limit from £200 to £2000 which I think is the maximum - but enough is enough, and the card has to go.

Same here,have already cancelled mine. Even that was a hassle!

clio

Sutton
we are on the move upwards, after xmas we will be in top half... \0/

well done chris \0/

Mbat2

bathgatebuyer wrote: »

Hi all. Got my Flybe letter through today telling me my card would be with me shortly and asking me to fill in a security form. Hoping it's here before Boxing Day as I intend buying a new PC (my present one is about to die - CPU running at 98%) in the Sales and paying it off in January and February.

Just got a great deal at Dell. Worth looking into + 5% cashback via topcashback.

christhesparky_2

bathgatebuyer wrote: »

Hi all. Got my Flybe letter through today telling me my card would be with me shortly and asking me to fill in a security form. Hoping it's here before Boxing Day as I intend buying a new PC (my present one is about to die - CPU running at 98%) in the Sales and paying it off in January and February.

Did they let you know what your credit limit would be, just been accepted by jjb (sygma):beer:

bathgatebuyer

Nothing as yet from them. Have seen conflicting stories on here about how long it takes for the card and the details about the limits to come through.

sutton111

christhesparky wrote: »

Evening all,

I have to admit i have just hit the apply button for a jjb card (sygma)

And shockingly I have been accepted

Well done :T whats bad on your Credit file?

christhesparky_2

sutton111 wrote: »

Well done :T whats bad on your Credit file?

5 Year old default ( with notice of correction)
1 Satisfied CCJ ( 4 years old, satisfied in jan 08)

sutton111

christhesparky wrote: »

5 Year old default ( with notice of correction)
1 Satisfied CCJ ( 4 years old, satisfied in jan 08)

what i've got from reading this forum (which i love ) is alot of lenders don't seem to take notice of things over 3 years old. But well done are you going to give flybe a go?

christhesparky_2

sutton111 wrote: »

what i've got from reading this forum (which i love ) is alot of lenders don't seem to take notice of things over 3 years old. But well done are you going to give flybe a go?

Whats the general starting credit limit on sygma (jjb, flybe) cards that everyone has been getting?

Anyone

sutton111

JJB is alot lower than Flybe the flybe limits seem to start at 1k. Give it a go. Keep us posted.