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Aqua Credit Card - Poor credit history but been accepted

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  • #31
    Re: Aqua Credit Card - Poor credit history but been accepted

    Originally posted by Deepie View Post
    yes ....Anyone reading this ...it's best to forget your credit file for 6 years ...
    for me it was more than 6 years - all accounts either satisfied or SB

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    • #32
      Re: Aqua Credit Card - Poor credit history but been accepted

      Originally posted by jadex View Post
      for me it was more than 6 years - all accounts either satisfied or SB
      Well you've nothing to worry about if you've received a claim ...Is that one sb ?
      I'm part of the AAD Site Team. This means I help manage the forum, users and Moderators. If you have any problems, complaints or concerns about anything from a post, a user or even a Moderator please send me or any of the Site Team a message and we'll investigate it for you. Remember, I'm also a volunteer, here to help make the forum run smoothly but with an opinion of my own. Any views or opinions are mine and not the official line of allaboutDEBT.

      If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, send me a message by clicking my username or send me an email direct: deepie@all-about-debt.co.uk

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      • #33
        Re: Aqua Credit Card - Poor credit history but been accepted

        Originally posted by Deepie View Post
        Well you've nothing to worry about if you've received a claim ...Is that one sb ?
        yes, it is SB;
        I suppose and believe I have nothing to worry about - but I will still be stressed out to the max because of that (am only a human).

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        • #34
          Re: Aqua Credit Card - Poor credit history but been accepted

          I don't think they could have issued the claim that quickly, but the other one probably crawled out as a result of your application.
          I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. 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 to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. 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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          • #35
            Re: Aqua Credit Card - Poor credit history but been accepted

            Bear in mind Nationwide and their sodding pre-app check says accept with a limit of up to 1,250 - if I accept I then get declined on full credit search.

            If I go down to say 750 I get declined. I've also tried minimum (500) but been declined.

            All I really want is the minimum, but asking for it looks a bit desperate so thought I'd go for higher.

            Apparently (this is from N/Wide lending customer services), the 1,250 is based on my salary only (above average) and they 'didn't know' I was ex-bankrupt until I applied. I've put a formal complaint in because they know full well I was bankrupt when I opened my basic accounts (after the declined a full one), and they get a monthly feed from CRA!

            So give them a truck full of salt if it does say accept at the pre-quote bit!



            Does the monthly feed include CRA searches? That's the only 'adverse info' I can think of (over 30 in last 12 months) - the monthly feed doesn't include it, then they scream when they do the full check and see it????

            Will see what they outcome of the complaint is - it'll probably be the usual we have to keep it confidential etc. I'm hoping they'll give me a card with 500 - my help to buy ISA is with them, plus (basic) current account my salary goes directly into so they can tie that up with my stated income.

            My only worry is my government pension contributions are quite high, as is student loan, so my net salary is lower than would be expected for someone earning my salary at a private company - perhaps they think I'm lying??? No CIFAS info shows on my report, but I understand from Niddy that some of it won't show unless I SAR them and N-Hunter.

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            • #36
              You can use Aqua card to rebuild your credit, provided you pay the full balance each month before you get charged interest. The good thing to do is spend a little every month and then pay it off and that will improve credit rating.

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