Sub Prime Credit Thread Part III

TheEffect

I opened a Lloyds TSB incentive saver today at 3%. HSBC's interest rates are terrible at the moment.

Dirty_Dave

fairmorn308 wrote: »

I have been with vanquis for over a year and never had a increase

have you been a good customer? Not thought about a better card yet?

ElkyElky

I was in my Halifax branch today depositing some money. The cashier started making conversation with me. Asked me how I'm doing and if I was up to anything tonight.

He took my money and said "Oh, is this your wages?", I said no and he asked what I did. I told him I'm a student and he asked what I was studying, acting like he was interested, asking if I'm enjoying it and such. I then noticed him typing the course I'm studying into the computer.

Is this a tactic they use to get information on your personal circumstances without asking directly?

selecta_c

fairmorn308 wrote: »

I have been with vanquis for over a year and never had a increase

Had my Vanquis just over 2 years and have had 5 increases.

fairmorn308

Dirty_Dave wrote: »

have you been a good customer? Not thought about a better card yet?

I do have a few better cards but i thought be good to keep the greens Zeros on my file neway

PROLIANT

fairmorn308 wrote: »

I do have a few better cards but i thought be good to keep the greens Zeros on my file neway

Once I get out of the 90 odd searches hole and get a better card I will still keep the Capital One card as that was the first one so I will have lots of green 0's. Monument is getting paid off however due to cash flow problems I am paying £5 over the minimum, can't use the account as it is closed now (like all Monument accounts :cool:).

fairmorn308

i have the following:

Capital one since march 2008: limit start: £200 now: £1250
MBNA start July 2008: Limit start: £500 no increases
Flybe start August 2008: limit start: £4000 no increase
Vanquis start October 2008: Limit start: £250 no increase

I am doing my best to get all my credit cards down to zero then decide which ones to really keep but not sure which ones.

PROLIANT

fairmorn308 wrote: »

i have the following:

Capital one since march 2008: limit start: £200 now: £1250
MBNA start July 2008: Limit start: £500 no increases
Flybe start August 2008: limit start: £4000 no increase
Vanquis start October 2008: Limit start: £250 no increase

I am doing my best to get all my credit cards down to zero then decide which ones to really keep but not sure which ones.

Cards I have:

Capital One since July 2007 start £200 limit now £500
Ulster bank since Feb 2009 start £500 limit now £600
Monument since March 2008 start £500 no increase account now closed pending repayment.

kilasuit

fairmorn308 wrote: »

i have the following:

Capital one since march 2008: limit start: £200 now: £1250
MBNA start July 2008: Limit start: £500 no increases
Flybe start August 2008: limit start: £4000 no increase
Vanquis start October 2008: Limit start: £250 no increase

I am doing my best to get all my credit cards down to zero then decide which ones to really keep but not sure which ones.

Which MBNA card do have?

ElkyElky

PROLIANT wrote: »

Once I get out of the 90 odd searches hole and get a better card I will still keep the Capital One card as that was the first one so I will have lots of green 0's. Monument is getting paid off however due to cash flow problems I am paying £5 over the minimum, can't use the account as it is closed now (like all Monument accounts :cool:).

90 searches?! Just wondering.. why so many? :eek:

Do you like toying with lenders just as NID does? With his infinite number of searches and a credit report so big, it requires a fork lift truck to deliver it? :rotfl: