anyone got high limit on first credit card?

dosser_2

hi steven,

do you hold any joint credit with your wife?
did you or your wife have any history with amex before?
whats your credit history?

cheers
dosser

skintscotsman

dosser wrote:

hi skintscotsman,

was it your first credit card?
who was it with?

happy new year
dosser

no it wasn't my first credit card. think i had had a couple beforehand with limits of approx £1k and £4k.

stevenclarkuk

My wife has a credit card which she put my name onto yes..

I use to work with the big blue and had a corporate AMEX through the work.. So some relationship but don't know if that would effect things..

As far as credit rating, at the moment it's very good, bordering on excelent.. Lots of debt but never missed payments type thing..

dosser_2

useful stuff, anyone else?

dosser

HGLTsuperstar

Dosser, please can you enlighten us on why this line of questionning, as you have posted similar threads re: getting a loan without proof of salary etc. Sorry to sound suspicious but maybe you could share some of your situation and get appropriate advice from the forum

file_wizzard

HGLTsuperstar wrote:

Dosser, please can you enlighten us on why this line of questionning, as you have posted similar threads re: getting a loan without proof of salary etc. Sorry to sound suspicious but maybe you could share some of your situation and get appropriate advice from the forum

Seeing as he has asked about electoral information, 1st cards, and loans with no proof of income I would hazard a guess that he has potently been on a little credit file creation mission and is seeing what he can obtain with limited I.D?

I trust you are intending to honour any credit agreements you may obtain ?

dosser_2

i am just trying to gain as much info about credit as possible-
i find that myself and my mates tend to fall in the trap of applying for credit when all other credit is exhausted!
but this is when your credit report is weak so rejections are likely!

i am self employed{proof of salary question}
i have just moved address{electoral roll question}
with regards to limited i.d i find that deduction baseless and frankly insulting!

i am an entrepreneur and see the ability to borrow money in order to make money as the holy grail in a capitalist society- :money:

the price of having a bad credit record{not honouring agreements} is outweighed by the benefit of having a good one{ability to invest in opportunities when you see them}- :idea:

the fact that when someone thinks outside the box, people get suspicious reflects one of two things-
1. the unstable, paranoid society we currently inhabit
2. how rare it is, to think outside the box

whatever happened to the eccentric! :silenced:

dosser

file_wizzard

dosser wrote:

i am just trying to gain as much info about credit as possible-
i find that myself and my mates tend to fall in the trap of applying for credit when all other credit is exhausted!
but this is when your credit report is weak so rejections are likely!

i am self employed{proof of salary question}
i have just moved address{electoral roll question}
with regards to limited i.d i find that deduction baseless and frankly insulting!

Apologies for any offence caused !

dosser wrote:

i am an entrepreneur and see the ability to borrow money in order to make money as the holy grail in a capitalist society- :money: !

sometimes a holy grail can easily turn into a poisoned chalice

dosser wrote:

whatever happened to the eccentric! :silenced:

dosser

I think there are a few of them still about

inmypocketnottheirs

Thefunkygibbons wrote:

Where Vanquish give a fixed limit of £250 and an apr% of 60 ish %

It all depends on circumstances and the bank involved

Not strictly true. £850 Limit, plus no late payment charges, plus no overlimit charges, plus no overseas transaction charges ($300 dollars charged yesterday converted at $1.75 to the pound), plus 29.9% apr (not paid any interest cos I clear the balance every month). From Vanquis, for £19 a year, seems like a good deal to me. Any one disagree?

samanthaknd

The_Boss wrote:

I'd guess he is more likely to get an answer if he posts in English.

he is speaking perfect england to me!. heh, seriously though, his question wasn't that hard to understand, he just wanted to know who has managed to get a high amount on their first credit card.