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    • waqasahmed
    • By waqasahmed 9th Mar 13, 6:30 PM
    • 997 Posts
    • 274 Thanks
    waqasahmed
    • #2
    • 9th Mar 13, 6:30 PM
    • #2
    • 9th Mar 13, 6:30 PM
    Holy hell. That looks pretty much exactly like the Rise credit card. I'd stay away from that card. You get charged even if you don't use it. It's almost like carrying a PDL on a CC
  • jack172sp
    • #3
    • 9th Mar 13, 8:52 PM
    • #3
    • 9th Mar 13, 8:52 PM
    Have you tried the Barclaycard Initial? They will give you an instant decision and will be a hell of a lot better than one of those sorry excuses for a card! I wonder what it would work out at in interest if you had £200.01-£300 on it??? It's £540 in charges!
  • big Daddy Dave
    • #4
    • 10th Mar 13, 11:57 AM
    • #4
    • 10th Mar 13, 11:57 AM
    i honestly wouldnt bother
    • Anthorn
    • By Anthorn 10th Mar 13, 1:17 PM
    • 2,498 Posts
    • 639 Thanks
    Anthorn
    • #5
    • 10th Mar 13, 1:17 PM
    • #5
    • 10th Mar 13, 1:17 PM
    Shout is a new one on me but I agree, don't bother. To get declined by Vanquis your credit must really be shot to pieces. Have you tried Capital One Secured?

    Other ways to build credit: Cashplus prepaid card creditbuilder, J D Williams account, sim only mobile phone contract.
    Saving for Xmas 2017 - A pound a day - 30/365

    Just because you're paranoid doesn't mean that someone isn't out to get you

    Unsliced bread: You can have it any thickness you want! The wonders of modern technology.
    • SammenForLivet2
    • By SammenForLivet2 10th Mar 13, 8:15 PM
    • 528 Posts
    • 544 Thanks
    SammenForLivet2
    • #6
    • 10th Mar 13, 8:15 PM
    • #6
    • 10th Mar 13, 8:15 PM
    I would not recommend the card that the Op is recommending to anyone (sorry if this offends you).

    It looks like you are having a tough time OP.

    May I ask for your reason in wanting a credit card? Is it help rebuild your credit?

    If so, have you looked at the Cap1 secure card (I don't know if you tried - based on your post). If you can't get this - then it look like no know one will allow you to have one.

    BTW: I have had a glance @ Shout's website and the card is underwritten/promoted by the same people as Rice - Card Benefit Services LLC - I beleive they lend the money and Raphal Provide the card (it's like a prepaid visa card) - to my understanding.
    Good luck
    Last edited by SammenForLivet2; 10-03-2013 at 8:17 PM.
    Thank you all for helping me make my day by saving money!
    Although I work in the trenches for a residential energy supplier, any views, opinions or ideas are my own, and don't represent the views of my employer.
  • lostcause82
    • #7
    • 16th Mar 13, 10:34 AM
    • #7
    • 16th Mar 13, 10:34 AM
    I was declared bankrupt in 2008 and I had debt with Barclaycard, cap 1 and Vanquis. I have a cashplus top up card with the credit builder on and a mobile contract (had this prior to bankruptcy) so hopefully this will help. I don't want to get into debt again (I learned the hard way from my mistakes as a teenager which led to my bankruptcy) but eventually I would like to have my own property which is the only reason I am looking to improve. I am not going to look any further into the Smile card, as it sounds like it is no better then a payday loan. I am hoping if I improve my credit rating a little I can apply to aqua again for this purpose.
    • Anthorn
    • By Anthorn 17th Mar 13, 11:15 AM
    • 2,498 Posts
    • 639 Thanks
    Anthorn
    • #8
    • 17th Mar 13, 11:15 AM
    • #8
    • 17th Mar 13, 11:15 AM
    I was declared bankrupt in 2008 and I had debt with Barclaycard, cap 1 and Vanquis. I have a cashplus top up card with the credit builder on and a mobile contract (had this prior to bankruptcy) so hopefully this will help. I don't want to get into debt again (I learned the hard way from my mistakes as a teenager which led to my bankruptcy) but eventually I would like to have my own property which is the only reason I am looking to improve. I am not going to look any further into the Smile card, as it sounds like it is no better then a payday loan. I am hoping if I improve my credit rating a little I can apply to aqua again for this purpose.
    Originally posted by lostcause82
    I think you mean Shout card, not Smile card.

    The biggest problem with rebuilding credit is that only having credit accounts reporting to one or more of the CRAs can rebuild it. All credit accounts which have a balance is debt, it's just not bad debt unless you stop paying. I still recommend J D Williams: Spend a tenner on a personal account from time to time to keep the account fresh and pay it off each time and you have a nice up to date (green) account on your credit report.
    Last edited by Anthorn; 17-03-2013 at 11:19 AM.
    Saving for Xmas 2017 - A pound a day - 30/365

    Just because you're paranoid doesn't mean that someone isn't out to get you

    Unsliced bread: You can have it any thickness you want! The wonders of modern technology.
    • Coveredinbees!!!!
    • By Coveredinbees!!!! 19th Apr 13, 1:43 PM
    • 3,126 Posts
    • 1,946 Thanks
    Coveredinbees!!!!
    • #9
    • 19th Apr 13, 1:43 PM
    • #9
    • 19th Apr 13, 1:43 PM
    I like they way they don't charge interest just a 'simple monthly fee' what a con trick

    • SnowTiger
    • By SnowTiger 19th Apr 13, 3:30 PM
    • 2,782 Posts
    • 1,772 Thanks
    SnowTiger
    I like they way they don't charge interest just a 'simple monthly fee' what a con trick
    Originally posted by Coveredinbees!!!!
    To be fair, the charges are clearly laid out. This message board is full of posts by people who haven't understood how interest is calculated on their credit card. They might find a fee easier to understand.

    And, as the monthly charge is based on the account balance when the statement is produced, it appears to allow punters to borrow up to £300 for a few weeks and only pay the £3.50 monthly maintenance charge if they clear the balance before their statement is produced.

    Compared to other short-term loan alternatives, such as payday loans and even high street bank overdrafts, Shout doesn't look like such a bad option.

    As an example, from 12th July, a £100 overdraft from my bank (Natwest) will cost me £90 a month.

    £100 on a Shout card would cost £15.

    Also, Shout reports to the credit reference agencies. A £100 credit card balance probably looks a lot better to potential lenders than a £100 overdraft.

    Having said that, despite its posh name and long history, Raphael & Sons do seem to prey on the less fortunate members of society.
  • UsetheFORCE
    My partner has one of these, under the 'RISE' brand and to be honest, they are perfectly fine for rebuilding credit...HOWEVER if you intend to carry balances and a large amount, DON'T GET ONE!!!

    Although there is allegedly a charge even if you don't use it, we leave the car with a CREDIT balance on the statement date and so far have NEVER been charged the £3.50 a month charge.

    Also, it is effectively FREE of charges for the period between statement dates so long as the statement doesn't have a balance. My partner got one of these when they first came out...the charges are only £10 per £100 as opposed to the £15 per £100 they advertise now!


    Effectively a PAYDAY LOAN FACILITY, which if you act with restraint could work out relatively cheap and help your credit file.
    I have numerous qualifications in Business and Finance, Accountancy, Health and Safety and am now studying Law.

    Don't rely on anything I write as it may be wrong!!!
  • sharpy2010
    Although there is allegedly a charge even if you don't use it, we leave the car with a CREDIT balance on the statement date and so far have NEVER been charged the £3.50 a month charge.
    Originally posted by UsetheFORCE
    I'm exactly the same. I have a RISE card (Don't ask), but it is in credit by about 3p, and I've never been charged the £3.50 a month either.
    • The Boss
    • By The Boss 20th Apr 13, 9:37 AM
    • 5,684 Posts
    • 3,765 Thanks
    The Boss
    CREDIT CARD

    (sorry, couldn't resist)
    You don't have a "credit score". They do not exist. The number you are referring to is a a random number produced by the credit reference agency using incomplete data to make money out of you.

    Different lenders score applications for different financial products differently so there is no 'catch all' score that determines your credit worthiness. Lenders use data from your credit file and also data from your application form that is NOT recorded on your credit file, such as your salary (a key driver), when assessing your application. Different lenders have different criteria, another reason a "credit score" means nothing -data that is considered good for one lender may be considered bad for another. Or vice versa.
  • sharpy2010
    CREDIT CARD

    (sorry, couldn't resist)
    Originally posted by The Boss
    What point are you making, I don't get it?
  • Mozette
    What point are you making, I don't get it?
    Originally posted by sharpy2010
    It's a Shout credit card, so the previous poster is shouting credit card.
    • LeeUK
    • By LeeUK 20th Apr 13, 4:31 PM
    • 5,244 Posts
    • 2,436 Thanks
    LeeUK
    I have a Rise credit card and got an email at the start of the month saying that my card is being replaced by Shout. Still not arrived yet though.
    Lee's No More Takeaways Club No.1
  • sharpy2010
    It's a Shout credit card, so the previous poster is shouting credit card.
    Originally posted by Mozette
    Ohhhhhhhhh hahaha I get it now :-)
    • bigadaj
    • By bigadaj 20th Apr 13, 5:48 PM
    • 7,823 Posts
    • 4,773 Thanks
    bigadaj
    Ohhhhhhhhh hahaha I get it now :-)
    Originally posted by sharpy2010
    That's what you call getting a RISE out Of someone!
    • The Boss
    • By The Boss 22nd Apr 13, 9:19 PM
    • 5,684 Posts
    • 3,765 Thanks
    The Boss
    What point are you making, I don't get it?
    Originally posted by sharpy2010

    Sorry, the other user already pointed to the fact I was shouting credit card as per the subject. Always tempted by a lexical ambiguity. My favourite of the week so far was "Help - stuck in credit card dept" although I resisted the temptation to suggest they follow the 'exit' signs and offered a more sensible reply instead...
    You don't have a "credit score". They do not exist. The number you are referring to is a a random number produced by the credit reference agency using incomplete data to make money out of you.

    Different lenders score applications for different financial products differently so there is no 'catch all' score that determines your credit worthiness. Lenders use data from your credit file and also data from your application form that is NOT recorded on your credit file, such as your salary (a key driver), when assessing your application. Different lenders have different criteria, another reason a "credit score" means nothing -data that is considered good for one lender may be considered bad for another. Or vice versa.
  • mickdj2
    shout visa credit card
    as per the shout visa credit card, i have held my card for four months never had any problems with them. i only applied for the card because my credit rating was shot to pieces.and yes i did know what i was letting my self in-for. i always pay the balance in full every month,i only got the card for use in emergency's.i have had to phone customer services a couple of times, and always get put straight through, with no waiting or crappy background music and they are always very helpful if you are looking for a way of helping to rebuild your credit rating this card can help, as long as its used wisely
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