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  • #1

    Things looking up???

    Think my credit file is on the mend at last? I have owned a Vanquis Card for about 2 years now. Having read this:

    http://forums.all-about-debt.co.uk/s...930#post334930

    I decided to apply for a Capital One and Creation credit card. I got an instant decision from Creation for their balance transfer card with 24.9% APR and £1000 limit. I am awaiting a decision from Capital One?!

    Hopefully will be able to get car credit soon as we're desperate for a new family motor!!!
    Tags: 2015, accounts, advice, application form, apr, bank, banks, bt's, cap, capital, capital one, car, card, cards, credit, credit card, deals, debt, defaults, family, finance, financial, fun, help, late payments, lenders, loan, motor, payments, people, rate, review, scoring, see., weather, wife
  • #2
    Re: Things looking up???

    Cap1 will say yes. Missy & Dave both recently did so

    Well done
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #3
      Re: Things looking up???

      Are both prime lenders?

      Comment

      • #4
        Re: Things looking up???

        Capital one is both mate. You may get a classic/credit builder card - both kind of subprime or they may give you a regular card with a higher limit and reasonable apr. wait and see. Call & ask how your application is progressing....
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: Things looking up???

          What about Creation? Are they a prime lender?

          Comment

          • #6
            Re: Things looking up???

            Originally posted by lloydjones View Post
            What about Creation? Are they a prime lender?
            So-So. You get good deals and BT's/APR's/0%'s so not subprime, but again they don't offer everyone the same apr or card. Some cards are 20+ % apr and others are the norm, 12-18%.

            creation is the step before you ask your own bank. If you pass creation then most the time your own bank will accept you. Creation do a full scoring profile which is set slightly below a mainstream banks basic pass score rate. No two lenders use the same scoring methods.
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: Things looking up???

              Originally posted by Never-In-Doubt View Post
              Capital one is both mate. You may get a classic/credit builder card - both kind of subprime or they may give you a regular card with a higher limit and reasonable apr. wait and see. Call & ask how your application is progressing....
              I called. Application approved with £1000 limit!

              Comment

              • #8
                Re: Things looking up???

                Originally posted by lloydjones View Post
                I called. Application approved with £1000 limit!
                Well done
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: Things looking up???

                  Originally posted by lloydjones View Post
                  I called. Application approved with £1000 limit!
                  Nice one Lloyd, as you say; things are looking up mate! Whats the plan then give it six months and personal loan for a new motor?

                  Cheers
                  Missy
                  When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #10
                    Re: Things looking up???

                    Hi,

                    Applied for a PCP with Nissan today for a new car and was declined :-(

                    Comment

                    • #11
                      Re: Things looking up???

                      Originally posted by lloydjones View Post
                      Hi,

                      Applied for a PCP with Nissan today for a new car and was declined :-(
                      Gutted. Do you have 3 years clear? Did the person applying for finance tell you why it was declined?
                      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #12
                        Re: Things looking up???

                        I'm not quite sure if I'm 3 years clear? The application was not instantly declined but was referred, then declined. Luckily there was a rep. from RCI Finance at the dealership today and he called to see why it was declined. He couldn't tell me why directly but when I suggested past defaults he nodded! Applying again in the wife's name tomorrow - fingers crossed!?!?!?!?

                        Comment

                        • #13
                          Re: Things looking up???

                          Originally posted by lloydjones View Post
                          I'm not quite sure if I'm 3 years clear? The application was not instantly declined but was referred, then declined. Luckily there was a rep. from RCI Finance at the dealership today and he called to see why it was declined. He couldn't tell me why directly but when I suggested past defaults he nodded! Applying again in the wife's name tomorrow - fingers crossed!?!?!?!?
                          Main stream credit want to see you have been a good boy for three years mate!

                          Fingers crossed for the Mrs application tomorrow mate

                          Let us know how you get on.
                          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #14
                            Re: Things looking up???

                            No joy with the wife's application either, referred then declined ��

                            3 years of being good? Does this mean no defaults, missed payments etc?

                            Comment

                            • #15
                              Re: Things looking up???

                              sorry you are having no luck with the carx
                              I have just been sent an application form from Cap one for their pre approved cards, funny thing is we have 4 old accounts with them that have gone down the UE route, was wondering weather to apply and see what happens?
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

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