Sub Prime Credit Card Club

spinningsheep

Wow, I assumed my credit was shot as well, but I just applied for an Additions account and a Kays account online and was accepted with £300 and £600 credit limits respectively, and I already have a Littlewoods account with a £675 limit too! Doubt I will use them all but I am amazed, especially as they are all the same company! Well chuffed. Will run them well and once my remaining settled defaults fall off my credit file by Dec, I should have a nice healthy credit file!!

darcyvuqua

PROLIANT wrote: »

I missed a phone call from Vanquis this morning, they wanted to speak to me when I phoned back but I had to wait for them to call me, applied a while ago.

i am waiting to get a phone call from them see my other thread what did they speak to you about over the phone im so hoping to get the card as a rebuilding tool? also what was your intial limit?

PROLIANT

darcyvuqua wrote: »

i am waiting to get a phone call from them see my other thread what did they speak to you about over the phone im so hoping to get the card as a rebuilding tool? also what was your intial limit?

Then it looks like you have been accepted, they phoned me and told me i had been approved and my card was on it's way, they try and flog you a type of PPi and ask if you would like an cash advance straight away. They set my initial limit @ £250.

skyrider007

PROLIANT wrote: »

they phoned me and told me i had been approved and my card was on it's way, They set my initial limit @ £250.

Congrats :beer: :j :T

Night-owl_6

Great ideal about the thread.
I applied for a Capital One card a few weeks ago, I passed the credit check and was sent the agreement to sign, however I signed and returned it only to be told on the phone last week after a review of my application they have refused it this time.
If anyone knows any credit cards for people with a default and afew late payments do please post!!

Thanks and again, well done on this thread

Tori_Bellatrix

Night-owl wrote: »

Great ideal about the thread.
I applied for a Capital One card a few weeks ago, I passed the credit check and was sent the agreement to sign, however I signed and returned it only to be told on the phone last week after a review of my application they have refused it this time.
If anyone knows any credit cards for people with a default and afew late payments do please post!!

Thanks and again, well done on this thread

Have you tried Vanquis?

lincs1205

Hi Guys, can i join please.:o Have just had a read throught the thread and it looks great

skyrider007

lincs1205 wrote: »

Hi Guys, can i join please.:o Have just had a read throught the thread and it looks great

Yes you can, you're very welcome :beer: Mind sharing which card you have or applying for?

lincs1205

thanks skyrider, no dont mind sharing that. i recently applied for and was accepted for vanquis thought had been rejected at first but the following week had a phone call to say that i had been accepted with a limit of 250. :T Was pleased because i have a default on my file which is now fully paid.:beer: so was'nt to sure if i would be accepted for it although am trying to keep a regular watch on my credit rating, it has gone up since i last checked it in march. How long should i keep it before trying to apply for a more mainstream card and how much should i spend on it as only want to use it at the bare minimum so i can afford to pay it off in full each month like i did this month.:j

cifpower

I'm afraid that default will probably prevent you from getting those ever-fabled 0% cards for six years - that's how long a default stays on your credit file. With the interest rate its probably wise to pay your balance off in full each month. As someone else suggested in another thread - use it to pay for your petrol instead of cash, keep the cash to one side then pay the balance in full.