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…660661663665666…804

Comments

  • cifpower
    cifpower Posts: 6,502 Forumite
    TheEffect wrote: »
    Aqua finally raised my credit limit today, on my 7th statement, from £250 to £350.
    Woo! Get in! :D
  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    TheEffect wrote: »
    Aqua finally raised my credit limit today, on my 7th statement, from £250 to £350.

    Are you still going to close your account.
  • DanDan123
    DanDan123 Posts: 378 Forumite
    DanDan123 wrote: »
    Opened an Egg savings accout today and got an email this evening to say that it's all up and running, but the problem is I couldn't help but apply for the Egg Credit Card too which I think was a mistake as they will decline me and have another wasted search!
    I got the "we'll email you with a decision" which always means no!
    Oh well!

    Still nothing yet from Egg - Good sign or Bad sign?
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    PARIS_5000 wrote: »
    Are you still going to close your account.

    Not sure yet. I'll see if CapitalOne raise my limit on the 19th, as it's my fourth statement.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    Aqua finally raised my credit limit today, on my 7th statement, from £250 to £350.

    Well done!!!!
    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
    victor-meldrew wrote: »
    try and find the old cat thread .i explained it all to brian.he tried it live and confirmed.
    it doesnt happen from new account point.i think it starts at 3 months in.
    paying in full,high or low balance doesnt affect it,you must purchase.
    i think me and o/h must cancel some now as we have over 25k available accross them all.

    Cool cheers mate,

    25k is soooooo much!
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Cool cheers mate,

    25k is soooooo much!

    Imagine the repayments with apr owing £25k? :eek::eek::eek:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Imagine the repayments with apr owing £25k? :eek::eek::eek:

    Crazy, Crazy!

    I will start having a negative impact as well..


    Too much available credit.
    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
    NID what are my chances of FD? I noticed you mentioned there not too concerned with searches?
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Crazy, Crazy!

    I will start having a negative impact as well..
    Too much available credit.

    LOL, too much available credit on catalogues> Thats funny mate. Interestingly, the lenders must be aware that although they may show a limit of say £10k, the catalogues don't always honour it, i.e. you could order a TV for £500 on a £10k limit and they could refuse to send it - they are a weird bunch tbh.

    I only have JD & laredoute for the green [0]'s but may dump them soon, got enough credit going lol.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
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