Sub Prime Credit Thread Part III

mumofboys_2

OK, I spoke to a guy who said that it would make no difference and that because the account was now up to date they did not keep that data. I find this hard to believe, but I am not sure that he understood exactly what I was asking him. I am so annoyed with myself.

sutton111

mumofboys wrote: »

OK, I spoke to a guy who said that it would make no difference and that because the account was now up to date they did not keep that data. I find this hard to believe, but I am not sure that he understood exactly what I was asking him. I am so annoyed with myself.

How long have you had the card?

You'll soon find out when your 4th statement is due, then you can ring them up if they haven't increased your limit.

mumofboys_2

sutton111 wrote: »

How long have you had the card?

You'll soon find out when your 4th statement is due, then you can ring them up if they haven't increased your limit.

Thanks Sutton, I will. This is month 2. Statement due soon I think. I am just gutted that I have been such a numpty and that everything could be affected because I can't do currency conversion properly and miscalculated by £3...

robbo990

Hi this is only my second post so thought I would introduce myself- in 2003 I was made redundant and as hard as I tried to keep up to date, slowly I got behind with payments and as a result now have 4 defaults on my account. I realise these are due to fall off my file next year.

I also have a CCJ - now satisfied from rent arrears with the council - long story, joint tenancy - I notified the council I was leaving, but even though the other person stayed in the tenancy - then never paid - I ended up with the debt.

In Jan 08 I got a Vanquis Visa Card - £250 then 4 months later £500, then after 9 months £750 and after 12 months I was given £1500 and a Gold Card.

I have paid the whole balance every month - although I went overlimit by 27p once and incurred the £12 fee - which is entirely fair. In March 09 I was accepted for a Aqua Mastercard - £250 limit again set up for whole balance payment monthly.

In April I applied for a Full Current Account and to my surprise I was accepted with Halifax (Reward Account) with £250 Overdraft

Got a JDWilliams account in Feb - Limit now £325

Lots of green (0) on my file now. I am starting to feel part of society again.

Thanks guys - I may not have participated but feel I know you all well after reading for so long.

Rob

davethorp

Welcome Rob and well done for getting back on the ladder, something I am also starting to do.

I was a long time lurker on this thread too (though I would post monthly updates of my JD williams limit - currently £900 and statement due this week so fingers crossed)

robbo990

Have today just signed a CCA for an Accessory Card - does this mean I've been accepted?

davethorp

robbo990 wrote: »

Have today just signed a CCA for an Accessory Card - does this mean I've been accepted?

First time I applied I got a standard sod off right away. Last time I applied I got a CCA to sign and then about two weeks later got the card with £400 limit

seeya23

good evening to all

Parki_2

Good evening, how goes it?

robbo990

davethorp wrote: »

First time I applied I got a standard sod off right away. Last time I applied I got a CCA to sign and then about two weeks later got the card with £400 limit

Sounds promising then :beer: