Sub Prime Credit Card Club

seeya23

NoOneReally wrote: »

Hi Everyone, I got accepted for a Aqua Card last Wednesday and got the form to sign and return on Friday (Send it back on Friday as well), how long does it take from sending the form back to getting the PIN and card ?.

Thanks.

about 7 days

kpnut79

Has anyone else who has been declined by Aqua received an email offering you their pre-paid visa card?

I got the email the other day!!

Home time WooHoo :j

sscott5581

Hi

Have received my Fly Be credit card statement today and it mentions online servicing. This must be new. The link as follows

https://www.my-oam.co.uk/CustomerApplication/Security/logon.aspx?ReturnUrl=%2fCustomerApplication%2fServicing%2fSummary.aspx%3fNFBrandName%3dkSI%252fTDD3Otk%253d&NFBrandName=kSI%2fTDD3Otk%3d

I have registered today.

Thanks
Steven

allthingsconsidered2009

Hmmm. I run a limited company. Today a company we trade with has sent a county summons to the limited company but they've put my name as the debtor instead of the company name. I thought Limited Company debts were something separate

Mbat2

sscott5581 wrote: »

Hi

Have received my Fly Be credit card statement today and it mentions online servicing. This must be new. The link as follows

https://www.my-oam.co.uk/CustomerApplication/Security/logon.aspx?ReturnUrl=%2fCustomerApplication%2fServicing%2fSummary.aspx%3fNFBrandName%3dkSI%252fTDD3Otk%253d&NFBrandName=kSI%2fTDD3Otk%3d

I have registered today.

Thanks
Steven

Just registered...good for up to date statement...;)

Justy

Justy wrote: »

Hi Everyone :j

Long time no speak - hope everyone is well.

Need some advice. Experian credit score 569 and Equifax credit score 308 - both in the 'Poor' category which has been a long hard slog to get there but happy I'm heading in the right direction.

Now I know that CRA scores aren't used by companies for credit card applications, however many of the factors are.

So, I need to apply for a new credit card (currently have Vanquis with £1250 limit).

Any suggestions about good ones to go for with the above numbers?

I've been out of the loop for a while and not sure what's hot and what's not

Just to update everyone:

Flybe Card - accepted - £3000 limit
Capital One - accepted - limit to be confirmed
Barclaycard Initial - declined
Virgin Card - declined
Halifax - declined
Aqua - just phoned them. Been declined. The process is very strange!

Suprised about the Barclaycard - although it might be because of a default with Barclays Bank from five years ago. Unsuprised about Virgin and Halifax as they were mainstream cards.

So there you - the searches on my credit reports will give me a hammering for the next six months but more opportunity to build my overall rating and acquire those lovely Green Zeroes. :T

Tigerite

Hi all, first time on this thread..

I've had a Vanquis card since Sep 2007, they've only ever increased the limit once, from £500 to £1000 - odd.

Anyway I finally got Vodafone to remove the default from my credit file (I must say a thankyou to jakemuk as he helped no end with my problems), only problem is it's been replaced with a "4" under late payments instead, and upon applying for a BMI Amex card just now had to give them a call and go through a grilling, it felt like a phone interview for a job at times! :rotfl:

Strangely enough, amongst the questions I expected like why were there four late payments, what my job title is and all that, I was asked why I had a Vanquis card.. just one for people to watch out for! I explained it was to repair my credit file caused by the four late payments - I was careful not to mention the default which has now been removed, for obvious reasons. He seemed happy with that but then asked why I didn't have any other credit - which seemed a bit of a daft question, but never mind, I just said because I hardly use the Vanquis card anyway (which is true) and hadn't had a need for a credit card until now.

Oh, and if you add an additional card holder but they are not linked to you financially or on the electoral roll, they will query that too, even if they appear as linked (at least on Experian)? Very strange.. :rolleyes:

The upshot of it all though is that they did accept me and are sending me two cards, total of £1500 limit :T

londonuk2008

Just followed the link from you about FLYBE and the online loggong in - thank goodness!¬

cifpower

sutton111 wrote: »

I want to go to New York. I love that City so much!!!

Wouldn't say no to going there but I can get a week in SF from Heathrow with Virgin for £900!

sutton111

cifpower wrote: »

Wouldn't say no to going there but I can get a week in SF from Heathrow with Virgin for £900!

God that's a good price. New York would cost about £1600 for a severn night stay and good hotel.