Things looking up???

[Never-In-Doubt]

Re: Things looking up???

I called. Application approved with £1000 limit!

Well done

[lloydjones]

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 called. Application approved with £1000 limit!

[Never-In-Doubt]

Re: Things looking up???

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.

[lloydjones]

Re: Things looking up???

What about Creation? Are they a prime lender?

[Never-In-Doubt]

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....

[lloydjones]

Re: Things looking up???

Are both prime lenders?

[Never-In-Doubt]

Re: Things looking up???

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

Well done

[lloydjones]

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!!!