Sub Prime Credit Thread Part II

sutton111

Ah, just waiting to hear from Tesco now then?

Did you appeal the Flybe decision?

cifpower

sutton111 wrote: »

Ah, just waiting to hear from Tesco now then?

Did you appeal the Flybe decision?

Yes I appealed both. Should have received the letters today.

Nomoredebtnow

Just receive CF from Equifax, Egg loan still show default not settle .Already sent letters to Egg and ICO :mad:

TheEffect

Hey everyone.

It's my second month of having two credit cards (Aqua and Vanquis). I've been a little bit naughty and spent £200 on one and £50 on the other, and only make £20 payment on both, as I get paid next month, so will pay them off in full then.

I'm not sure credit cards are for me. I don't have much self control and think 'I'll put it on the card and worry about it when the bill comes in'. Slightly living beyond me means.

When I pay them both off next month, I think I'm going to give one of them to my mum or cut it up. Two credit cards for an 18 year old is just not good. I want to stop before a problem does arise.

How are you all?

claire6hy

TheEffect wrote: »

I'm not sure credit cards are for me. I don't have much self control and think 'I'll put it on the card and worry about it when the bill comes in'. Slightly living beyond me means.

muhahaha thats me too!!
like.... !!!!!! it put it on the card

Innocent_Guy

TheEffect wrote: »

Hey everyone.

It's my second month of having two credit cards (Aqua and Vanquis). I've been a little bit naughty and spent £200 on one and £50 on the other, and only make £20 payment on both, as I get paid next month, so will pay them off in full then.

I'm not sure credit cards are for me. I don't have much self control and think 'I'll put it on the card and worry about it when the bill comes in'. Slightly living beyond me means.

When I pay them both off next month, I think I'm going to give one of them to my mum or cut it up. Two credit cards for an 18 year old is just not good. I want to stop before a problem does arise.

How are you all?

Be aware as these APR's are a rip off.

TheEffect

Indeed, I'll be paying £5 interest on the Aqua this month, and £3 on the Vanquis card = £8 interest for this month.

If I didn't clear it next month, the interest would be around £15-£18.

I'm definitely not getting into that spiral, especially as the Vanquis card has a £50 cash withdrawal on it (only thing that the card has been used for) which means the APR is somewhere around 42%.

Innocent_Guy

TheEffect wrote: »

Indeed, I'll be paying £5 interest on the Aqua this month, and £3 on the Vanquis card = £8 interest for this month.

If I didn't clear it next month, the interest would be around £15-£18.

I'm definitely not getting into that spiral, especially as the Vanquis card has a £50 cash withdrawal on it (only thing that the card has been used for) which means the APR is somewhere around 42%.

What limit did aqua give you?

never-in-doubt

cifpower wrote: »

Got a reply from BOI and its a no

from your appeal? or is this the original application?

never-in-doubt

cifpower wrote: »

I didn't meet their criteria for approval but these criteria must be kept secret

I got that, its a standard letter! comes from underwriting and ref at top in middle will be similar to NEW003

They are a joke at times, but they did overturn my appeal.....