Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

I haven't got a bad word to say about the iPhone - I prefer it to the N96

dont you find the text load lock a pain? That was the biggest thing for me, you have to wait for the cursor to stop blinking before moving to next letter - guess if you can use predictive text (too clever for me lol) then it may be easier for the one fingered press text approach - i found it slow. But then again I am a nokia boy myself :eek:

sutton111

Cash_Flow wrote: »

Lloyds CC 3500 Limit APR 21.9%
Barclay Card 750.00 Limit APR 14.9%
Cap One 200.00 Limit APR 34.9%
LLoyds OD 3500.00 Limit APR 12.1%
Next 250.00 Limit
Halifax CC 750.00 Limit APR 15.9%

Its been a long road back from rock bottom for me, I had cards and loans from the age of 18 and never understood finance very well:rolleyes: I don't have any defaults or CCJ's but I did miss quite a few payments.

Today my credit file is one payment away from (no missed payments in the last 12 months wooo hooooo)

My lloyds CC used to be 13.9% APR the late payments have sent the APR up up and away.

I would get rid of the Capital One, one as it a rubbish limit compared to the rest.

never-in-doubt

PROLIANT wrote: »

I have always been a fan of the Nokia N series, but I have a Tmobile G1 now, wonderful device from HTC - a bit like a cross between an I-Phone and a Blackberry.

I was going to get the HTC diamond touch phone but it looked a little plasticky for my liking but the screen and stuff was awesome.

HTC seem to be doing newer and better phones - watch this space I take it.

I think the N96 is a great phone and watching little movies through it is just ideal when sat in a car all day!

Whamy

Hey Hey Hey guess what arrived today me Vanquis Gold Card:D ,
and it’s got the old style Visa symbol, they must have a shed load of old
cards knocking about somewhere gathering dust.

No change in rate or limit Sutton

Many moons ago I posted in the old thread near the very start giving my credit life story made Bankrupt in 2004 discharged in 05 with a shed load of defaults on my files.

A lot of letters latter and first names terms with ICO am now rolling with four credit cards, two bank accounts, three catalogues one store card and a mobile phone contract. so it can be done.

Good to see you back P Man

sutton111

Innocent_Guy wrote: »

They deffo helped me out. I has to make three applications in 2 months to get accepted - Advise from credit referalls helped and they also removed my additional searches

Ok are you going to PM me with the info Josh?

never-in-doubt

Cash_Flow wrote: »

I don't side with anyone I am here to get along with everyone.

Life is too short to worry about tiffs on moneysaving:beer:

We are in the middle of a credit crunch and I like everyone else need a 0%balance transfer lol;)

Fair point and my apologies for suggesting you were 'that other weirdo' - evidently you're not.

I can see that from a browse through your posts. a 0% BT with a clean file should be easy pie for you....... virgin or even BT seem to be half good....

sutton111

Whamy wrote: »

Hey Hey Hey guess what arrived today me Vanquis Gold Card:D ,
and it’s got the old style Visa symbol, they must have a shed load of old
cards knocking about somewhere gathering dust.

No change in rate or limit Sutton

Many moons ago I posted in the old thread near the very start giving my credit life story made Bankrupt in 2004 discharged in 05 with a shed load of defaults on my files.

A lot of letters latter and first names terms with ICO am now rolling with four credit cards, two bank accounts, three catalogues one store card and a mobile phone contract. so it can be done.

Good to see you back P Man

I thought the APR may of changed.

I bet the limit will increase in time though.

never-in-doubt

sutton111 wrote: »

I thought the APR may of changed.

I bet the limit will increase in time though.

isn't 2 grand the max from vanquis mate? regardless of card colour (not racist honest lol)

PROLIANT

never-in-doubt wrote: »

I was going to get the HTC diamond touch phone but it looked a little plasticky for my liking but the screen and stuff was awesome.

HTC seem to be doing newer and better phones - watch this space I take it.

I think the N96 is a great phone and watching little movies through it is just ideal when sat in a car all day!

Aye, HTC are very good quality fonze, I can connect to my home email server and my work email server without any trouble at all, the UI is smooth too.

Innocent_Guy

sutton111 wrote: »

Ok are you going to PM me with the info Josh?

Of course I will - guess what i was refreshing the wrong page again! I'm so annoyed. I need to get back into the swing of things. I can't even monitor more than one thread at the moment neither!!!! :mad: :mad: :mad: :mad: