Sub Prime Credit Thread Part III

never-in-doubt

never-in-doubt wrote: »

Cheers for that mate - god knows what is happening with mine then? I'll ask - hang on i'm on hold!

Right just had an interesting chat with Sky.... apparently my card is only used for adult channels (ooer I must be buying too much !!!!!! lol) on a pay per view matter. Unless I subscribe to a year contract then each time I want to order an adult related item, they deduct my card at source,

If however I order a movie from the box office, this is charged to the bill.

Nice to know how it actually works and maybe time for me to consider a subscription to the adult channel instead of a fiver a night :rotfl::rotfl:

cifpower

ElkyElky wrote: »

Actually, I'm not sure if they would increase the limit. I've had Virgin Media for about 3 years and it has always been at £100. I've never tried asking tbh. I believe you pay 1 month behind on Virgin Media.. its odd how they work.

When I receive my bill, say.. £60 for example. It says it'll be taken by direct debit on xx day. Any calls I make AFTER the bill has been issued will still continue to accumulate on the "credit account".

So, perhaps I make £45 worth of calls 5/6/7 days after my bill was issued, that'll take me over my credit limit and they'll cut me off. I'd then receive a phone call asking me to pay the specific amount to bring it back under the limit.

It works exactly like a credit card. They don't report to CRA however.

Virgin does report to Equifax

ElkyElky

cifpower wrote: »

Virgin does report to Equifax

Opps, my mistake.

never-in-doubt

LOL, we learn something new every day - cheers Cif.......

cifpower

ElkyElky wrote: »

Opps, my mistake.

What was odd is that it took them 8 months to start reporting and then only from that month - not the beginning. Maybe it was a recent thing.

never-in-doubt

Want a laugh to brighten up your day? read tummys last post here: http://forums.moneysavingexpert.com/showthread.html?t=1916027

Its amusing to say the least......

moyilla

Hi guys, hope you are all good?

Just a question about Next again, do you only get an account number when you are granted a credit account with them?

fairmorn308

good evening troops

cifpower

moyilla wrote: »

Hi guys, hope you are all good?

Just a question about Next again, do you only get an account number when you are granted a credit account with them?

No, you can get one with a cash account too

big_Daddy_Dave

just got vigin broadband they gave me a £60 credit limit

so they DO report?

one more thing

i joined up with sky in early june and all the stuff was installed on the 10th

but they didnt hav to pay my first bill until July 20th

then on the 6th of every month

is this the same for virgin? or will i have to pay on the date the installation was done in the previous month?

thanks alot for the help