Sub Prime Credit Card Club

sutton111

Justy wrote: »

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

To be honset you may of be declined because of the amount of searches for all those credit cards. How long between applications did you make them?

sutton111

sutton111 wrote: »

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

Thats with Virgin, but i would add Premium economy which would add £250 each way.

sutton111

Tigerite wrote: »

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

Congratulations. So basically don't apply for a BMI. I heard M&S do the same thing.

cifpower

sutton111 wrote: »

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

Flights from Belfast are £420 alone!

allthingsconsidered2009

Tigerish what other credit accounts do you have on your file?

fairmorn308

right got my flybe statement thru and i knew i was just under my credit limit but now its showing am over cause with the interest they put on has made me over my limit.

!!!!!!.

is there anything i can do about this. does this mean i will get it marked on my credit file? am going to make payment 2nite to bring it back under but aslong as they get payment by end of month i should b ok. i hope so before they report to credit files etc

PROLIANT

fairmorn308 wrote: »

right got my flybe statement thru and i knew i was just under my credit limit but now its showing am over cause with the interest they put on has made me over my limit.

!!!!!!.

is there anything i can do about this. does this mean i will get it marked on my credit file? am going to make payment 2nite to bring it back under but aslong as they get payment by end of month i should b ok. i hope so before they report to credit files etc

Keep about £50 away from your limit for every £500 chunck of credit to allow for interest.

sutton111

cifpower wrote: »

Flights from Belfast are £420 alone!

Do you live in Northern Ireland Cif?

allthingsconsidered2009

Ordered some adult devices from the Studio catalogue!

sutton111

Thanks for that information :rolleyes: .