Sub Prime Credit Thread Part II

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Oooo I forgot to tell you, Abbey just upped by O/D by £500 not that I need it.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Phil3822
    Phil3822 Posts: 604 Forumite
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    Hi all. Cap 1 card came through today. Came with a £200 limit and an 34.9% apr. Its a start!
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Phil3822 wrote: »
    Hi all. Cap 1 card came through today. Came with a £200 limit and an 34.9% apr. Its a start!

    Brilliant!!! Do you mind if I ask what your credit file is like??

    BTW after 4 months of good account conduct they will up your limit to £500 DEFFO
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • victor-meldrew_4
    victor-meldrew_4 Posts: 763 Forumite
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    Innocent_Guy wrote: »
    Oooo I forgot to tell you, Abbey just upped by O/D by £500 not that I need it.

    some of my abbey pins come today.nice to know they may be splashing money about.
    perhaps all the banks are on a push,got loads of brouchers through the post today,halifax.
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • Phil3822
    Phil3822 Posts: 604 Forumite
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    Innocent_Guy wrote: »
    Brilliant!!! Do you mind if I ask what your credit file is like??

    BTW after 4 months of good account conduct they will up your limit to £500 DEFFO

    I dont mind. I have an IVA on file due to drop off in 3 years. It was completed over a year ago. 9 defaults all settled except one which is in dispute. All should come off in 12 to 18 months. A debit card and mortgage reporting green. Any more info wanted?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Phil3822 wrote: »
    I dont mind. I have an IVA on file due to drop off in 3 years. It was completed over a year ago. 9 defaults all settled except one which is in dispute. All should come off in 12 to 18 months. A debit card and mortgage reporting green. Any more info wanted?

    No thats plenty..... Well done on the morgage ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
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    Innocent_Guy wrote: »
    Oooo I forgot to tell you, Abbey just upped by O/D by £500 not that I need it.


    How do you know they have increased it?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    Phil3822 wrote: »
    Any more info wanted?

    Actually mate, how many searches in the last 3 months?

    Thanks
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    sutton111 wrote: »
    How do you know they have increased it?

    Just checked online ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
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    victor-meldrew wrote: »
    some of my abbey pins come today.nice to know they may be splashing money about.
    perhaps all the banks are on a push,got loads of brouchers through the post today,halifax.

    Have you found out which card they have offered you yet?
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