Credit card with a CCJ?

thriftymomma

Hi all,

Am after a little advice. I have a Halifax cc witha good credit limit of 5500 an dI am managing this account very well, so they have just arranged to reduce my interest for me.
I stupidly however have a ccj that is 2 years old but satisfied(only 227 pounds) and really like the idea of getting another cc to maybe be able to do a nice balance transfer and save myself a few more pennies. But my question is, will this ccj basically prevent me getting any other good deal until it drops off?
I don't want to make my credit file worse but as I say I am managing my money so much better now and wonder if I am basically stuck until this ccj falls off my file? Also does it stay on 6 years from default, judgement or satisfaction?.
What would your advice be?

bethanyrayne

thriftymomma wrote: »

Hi all,

Am after a little advice. I have a Halifax cc witha good credit limit of 5500 an dI am managing this account very well, so they have just arranged to reduce my interest for me.
I stupidly however have a ccj that is 2 years old but satisfied(only 227 pounds) and really like the idea of getting another cc to maybe be able to do a nice balance transfer and save myself a few more pennies. But my question is, will this ccj basically prevent me getting any other good deal until it drops off?
I don't want to make my credit file worse but as I say I am managing my money so much better now and wonder if I am basically stuck until this ccj falls off my file? Also does it stay on 6 years from default, judgement or satisfaction?.
What would your advice be?

I'm sorry but your CCJ will stop you getting any other cards for awhile.


Judgement!

louloupot

hi
the ccj will be removed six years from the day the account was defaulted this should show up on your experian report.

darcyvuqua

hi if you are unable to get a credit card please join this thread http://forums.moneysavingexpert.com/showthread.html?t=1015629

clio

I take it you had the Halifax CC before the CCJ??

thriftymomma

Yes I have held the card for 10 years!
The CCJ really was a case of my own stupidity, I was even gonna pay it but they kept telling me to wait for this next letter - that was a court judgement!!!!! I really was not at all financially savvy and it all escalated very quickly for such a small debt - gutted is the understatement of the year!
The thing I don't understand is, despite the CCJ the Halifax keep upping my limit - is that normal?