Re-Using Old credit card accounts after discharge

blind-as-a-bat_2

In theory that is correct tiger if you declared them in your SOA as you should have, although if they where zero at the time you can be forgiven for forggeting too.

Whether the creditors would allow the accounts to be used would depend on if they knew of your BR and more to the point cared:rolleyes:

But the theory stands the contract behind those accounts should either no longer exist or are the liabilaty of the OR now so in theory at least you should not use them without the owners permision, wich is the OR

Thats the way i see it anyway

edit- by owner i mean liabilaty although they are a seperate issue really it amounts to much the same thing in my view

squizz_2

Perhaps not quite the same issue, but I didn't declare my Next Directory account when I went BR because there was a zero balance, and it wasn't "obtaining new credit" which you aren't allowed to do while going through BR. I use it now on a small scale to help re-build my credit rating. If you did include your card in the BR then I think you may have trouble using it but if they haven't closed your account then that's up to them. You are allowed to obtain credit now you are discharged, but obviously they may refuse.

blind-as-a-bat_2

squizz wrote: »

Perhaps not quite the same issue, but I didn't declare my Next Directory account when I went BR because there was a zero balance, and it wasn't "obtaining new credit" which you aren't allowed to do while going through BR. I use it now on a small scale to help re-build my credit rating. If you did include your card in the BR then I think you may have trouble using it but if they haven't closed your account then that's up to them. You are allowed to obtain credit now you are discharged, but obviously they may refuse.

Oh i like next directory, they give you things with no credit agreemant (well used too i would like to think they have learnt that lesson by now:rolleyes: ), then wonder why you dont take them seriosly when they threaten you with legal action:p But thats a whole differant thread;) :rotfl:

Deepinthedwang

Maybe you should rather be asking yourself, DO YOU REALLY WANT ANY CARDS AT ALL??????????

Not preaching here, but remember how easy it was to get those cards into trouble before, it can easily happen again - and yes I am speaking from experexperience. I for one will not be having a credit card again.
good luck

cheers

Justin

Deepinthedwang

Sorry not experexperience , I meant experience.
cheers

J

scootw1

Deepinthedwang wrote: »

Maybe you should rather be asking yourself, DO YOU REALLY WANT ANY CARDS AT ALL??????????

Not preaching here, but remember how easy it was to get those cards into trouble before, it can easily happen again - and yes I am speaking from experexperience. I for one will not be having a credit card again.
good luck

cheers

Justin

No need to shout in your post. I'm sure the OP understands what you are saying without resorting to capital letters

dalip

Oh i never realised that was how you shouted on a website:eek: . Better watch my use of caps from now on:o

Purplekylie22

squizz wrote: »

Perhaps not quite the same issue, but I didn't declare my Next Directory account when I went BR because there was a zero balance, and it wasn't "obtaining new credit" which you aren't allowed to do while going through BR. I use it now on a small scale to help re-build my credit rating. If you did include your card in the BR then I think you may have trouble using it but if they haven't closed your account then that's up to them. You are allowed to obtain credit now you are discharged, but obviously they may refuse.

Does that mean I could use my Kays one after discharge to try and slowley re-build my credit rating then? I have had anything on it in about a year but it would be nice to know!

LilyBart

Isn't re-using old credit card accounts the financial equivalent of sex-with-your-ex? (ie hugely tempting but doomed to end in acrimony.)
Lily

peachyprice

Lovin it Lily!!:rotfl: :rotfl: :rotfl: