Sub Prime Credit Card Club

darcyvuqua

Sammy_Girl wrote: »

Hi Swinnie and welcome to the board :hello:

Congrats on the Cap 1 and Vanquis. Run them well and you will see an improvement. Bad luck on the Citibank though At least you have 2 cards to start with, and when your default drops off next month, maybe try for the MBNA or Flybe?

RE bank accounts, a few of us on here have had success with Alliance & Leicester premier account. You can apply online. I have 2 defaults and they accepted me, and Darcy has a CCJ and they accepted him. You get a full Visa debit and cheque book and o/d is optional. A&L high street branches are few and far between but if I have any cash or cheques to pay in then I use the Post Office - so don't really need a branch.

Good luck and stick with us. 2009 is going to be a great year for us sub primers

yes sorry failed to realise that a & l took me with a satisfied ccj however offered no overdraft or credit card but full current account with visa card

Katie789

sarahskc wrote: »

can anybody tell me if aqua give out credit limit increases after so long of having their card. thanks

Yes they do. In the 18 months I have had my card the limit has been increased from £750 to £2450.

Intial limit £750, month 3 automatically increased to £1250, month 7 automatically to £1650, month 13 by request to £1950, month 18 automatically to £2450.

I have been very pleased with the service, only bugbear is the lack of online facilities.

On another note, thanks to recommendations on this board, I was instantly approved for a flybe card yesterday just waiting to see what my limit will be

PROLIANT

swinnie999 wrote: »

Hi All. My first post so pls be gentle. I have been reading this thread for some time now and can honestly say that you are the most friendly and helpful guys I have ever seen in a forum.

Woot, Woot! :beer:

claire6hy

ok someone help me :)

im apparently not on the electoral role as i asked to be removed (hmmm) butknow how to corrent that.

on my callcredit report there is alll 0's, and one UC.....is this good? or bad?
xc

darcyvuqua

mr p how the devil

so there are a few of us from this thread going into the sealed pot challange you taking part or are you to near scotland for it...........lol

darcyvuqua

claire6hy wrote: »

ok someone help me :)

im apparently not on the electoral role as i asked to be removed (hmmm) butknow how to corrent that.

on my callcredit report there is alll 0's, and one UC.....is this good? or bad?
xc

if this is a new account it will not have been run long enough for them to report and will be updated next month

PROLIANT

darcyvuqua wrote: »

mr p how the devil

so there are a few of us from this thread going into the sealed pot challange you taking part or are you to near scotland for it...........lol

lol, whats the sealed pot like?

darcyvuqua

you get a pot seal it up and put your spare copper etc in for the year without opening it till next december worth a punt aint it

swinnie999

darcyvuqua wrote: »

if your account conduct is as good as you say as soo as your ccj drops off the world is your oyster i would maybe PM fairmorn as this has just happened to him best of luck and welcome to the club

Thanks Darcy. The default drops off next month but I am stuck with the CCJ for another 4 years although this is satisfied. In the past I was embarassed to talk to anyone about my credit rating until I found this thread. What a relief to find others not only willing to openly discuss their credit problems but more than willing to help others.

Oh and thanks to Jay & Sammy for your comments.

Swinnie

cifpower

Well I got a reply from the Halifax and it was another decline. The reason given was too many searches which I can understand! Will leave it another 6 months and see what happens then.