Sub Prime Credit Thread Part II

cifpower

louiser123 wrote: »

morning everyone!!

looks like next are at it again with thier fluctuating credit limits and changes. hubbys account (which i order from as they wont let me have one!) has had a credit limit decrease this month was 300 but they reduced it to 250. this morning when i logged in to check returns had been credited they had but remaining credit was zero!! balance is 124, so there should be still be 125 remaining but no, so he has emailed to find whats going on. next are so funny!!

They have changed mine too. I think it has fallen from £3600 to the £1500 mark

fairmorn308

Hiya guys

I havent been on for a few days. Well i finally got some work am away for a 3 week trip only arrived today and internet is very limited to sites can go on but still come here which is good.

I was starting to worry as i only had enough money to cover this months bills but after the 3 weeks i will have enough for another 3 months but fingers crossed more will come out of this.

Going to be a hard long trip i havent worked properly since oct 08 after i hurt my back.

oh well whats been happening here then

sutton111

fairmorn308 wrote: »

Hiya guys

I havent been on for a few days. Well i finally got some work am away for a 3 week trip only arrived today and internet is very limited to sites can go on but still come here which is good.

I was starting to worry as i only had enough money to cover this months bills but after the 3 weeks i will have enough for another 3 months but fingers crossed more will come out of this.

Going to be a hard long trip i havent worked properly since oct 08 after i hurt my back.

oh well whats been happening here then

Good luck Fairmon.

sutton111

cifpower wrote: »

They have changed mine too. I think it has fallen from £3600 to the £1500 mark

Next seem such a bizarre company.

cifpower

sutton111 wrote: »

Next seem such a bizarre company.

They are. But they sell such nice stuff!

c8ndice

Empire Stores have just incresed my limit by another £100, this is the second time now in 2 months. I have not bought anything since October, I am just paying back the money each month 0% for a sofa I bought.

I already called them about 4 months ago to reduce it by £1000 as I thought it would look better on my credit report ( I don't want a £2000 limit on a catalogue)

I never bothered with Next, so don't know about that. Simple be are the same though, always increasing my limit each month.

sutton111

c8ndice wrote: »

Empire Stores have just incresed my limit by another £100, this is the second time now in 2 months. I have not bought anything since October, I am just paying back the money each month 0% for a sofa I bought.

I already called them about 4 months ago to reduce it by £1000 as I thought it would look better on my credit report ( I don't want a £2000 limit on a catalogue)

I never bothered with Next, so don't know about that. Simple be are the same though, always increasing my limit each month.

Because i can't get a credit card at the moment, I feel that a catalogue to me are handy.

I understand your point of view because you have a far superior credit history.

mattlfc79

kiora wrote: »

C8ndice
That is so weird as when i phoned up got told the opposite, after 6 months goes to a standard visa and the deposit goes against the balance, seems strange that they are telling people different things.

Hello,

I am hearing things about secured deposit credit cards. Does anyone know if any companies still offer them as I am looking at strengthening my credit file over the next year or so till things start to drop off my file.

Many thanks good people

c8ndice

sutton111 wrote: »

I understand your point of view because you have a far superior credit history.

lol you are joking! I don't have a massive income, I just hoped that by reducing the catalogue credit, I would at some point be accepted for limit increases on my (for example) £800 Barclaycard because it has the lowest rate of 14.9%.

c8ndice

mattlfc79 wrote: »

Hello,

I am hearing things about secured deposit credit cards. Does anyone know if any companies still offer them as I am looking at strengthening my credit file over the next year or so till things start to drop off my file.

Many thanks good people

According to one of the men I spoke to yesterday at MBNA, they are still offering their £100 secured deposit card.