We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Sub Prime Credit Thread Part III

1…2223252728…804

Comments

  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    Bonus depends on achievment of target but there is potential for more
    Bloody hell! How do you have any debt with those bonuses!?!
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Bonus depends on achievment of target but there is potential for more

    Come on stop being so secretive. I told you what I do and so has Cif, come on spill the beans!!
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    Bloody hell! How do you have any debt with those bonuses!?!
    If I actually got my last bonus I wouldn't have my debt!!!!!!!!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Come on stop being so secretive. I told you what I do and so has Cif, come on spill the beans!!
    Just Business ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    If I actually got my last bonus I wouldn't have my debt!!!!!!!!
    But you get a bonus every 3 months. I just can't grasp that if you get a bonus anywhere near the £6k level every 3 months you can have any debt.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    But you get a bonus every 3 months. I just can't grasp that if you get a bonus anywhere near the £6k level every 3 months you can have any debt.
    Put it this way - The more you earn, the more you spend. I am an idiot with my money, live an extravagant lifestyle and you must remember I don't always get 6k sometimes could be less.........
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Vanquis sent me four credit card cheques. I can definitely say I wont be using them.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    Put it this way - The more you earn, the more you spend. I am an idiot with my money, live an extravagant lifestyle and you must remember I don't always get 6k sometimes could be less.........
    Do you live on your own? What have you been spending your money on? You really need some financial help if you can get those sorts of bonuses every 3 months and ask about getting a £5k loan.
  • cifpower
    cifpower Posts: 6,502 Forumite
    TheEffect wrote: »
    Vanquis sent me four credit card cheques. I can definitely say I wont be using them.
    I have had 8 of them in the past few months; needless to say they have gone in the bin
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    Vanquis sent me four credit card cheques. I can definitely say I wont be using them.
    i got some today aswell LOL
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture