Sub Prime Credit Thread Part II

victor-meldrew_4

just been on o/h barclays initial account.
last year they kept reducing her limit when she paid enough off.they also took her cash availability away.i know this has happened to a lot of people.
in the last few months she had 2 overlimits,she payed minimum, plus the recomended extra,and still went over limit.her fualt but a little underhand i think.
i got it back into credit.
this month they have stoped reducing limit and reinstated a full cash availability to maximum limit.
strange but bcard, initial and vanquis,incresed limit, have treated her this way latley.???????????????????????
any thoughts.???are the cc companys happier when were not claiming charges back,or instantly amending account problems???????????just a coincidence???????has here credit file improved and the monthly feeds affecting it????????

victor-meldrew_4

o/h agian
just logged on to her littlewoods direct.its 3 months old.they have doubled her limit to £2000.
her account has been at £710 owed from first day.she has only paid the minimum payments.
my littlewoods direct is a year old.it has simular limit.ive always spent and paid loads on it ,about 5k.
i regualy paid 75% of balance or all of it.it took me a lot longer to get that size increase,although not with others in the group.????????
any thoughts????
running 2 accounts for most cats and credit cards,mine and hers,it is seeming in our case anyway,paying balances in full etc isnt always best route to higher limits etc.
there is one exception ,im ahead on grattans over her freemans??????

victor-meldrew_4

anyone fancy a non application sweepstake/challange.see who goes longest,to 6 months with no apps.
??????????????

Innocent_Guy

victor-meldrew wrote: »

anyone fancy a non application sweepstake/challange.see who goes longest,to 6 months with no apps.
??????????????

I'm up for that, I do want to apply for cap one first tho!

victor-meldrew_4

Innocent_Guy wrote: »

I'm up for that, I do want to apply for cap one first tho!

sounds good.im sure you regulars will thrash the idea around a while,giving time for cap one.

Innocent_Guy

victor-meldrew wrote: »

sounds good.im sure you regulars will thrash the idea around a while,giving time for cap one.

Well sutton hasn't applied for anything since february, NID is on his sabatical, Cif has made some apps recently but I think has gone cold turkey, Theeffect is going cold turkey, I will soon be going cold turkey.

claire6hy

ohh i love a wee apply!

Innocent_Guy

claire6hy wrote: »

ohh i love a wee apply!

I know, but you have all you require

claire6hy

Innocent_Guy wrote: »

I know, but you have all you require

i know :)
going to behave til.... august

never-in-doubt

Innocent_Guy wrote: »

Well sutton hasn't applied for anything since february, NID is on his sabatical, Cif has made some apps recently but I think has gone cold turkey, Theeffect is going cold turkey, I will soon be going cold turkey.

Ermmm, N-i-D was bored yesterday and went a little mad:

- Co-Op Members Card - let me know in 7 days (so no then!)
- DiscountWorld Catalogue - £125 limit; then disappeared and still gone LOL
- Sony Card - let me know in 7 days (so no then!)

Right my sabattical starts today - I promise :think: