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Sub Prime Credit Thread Part III
Comments
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Well done.......... Alright for some!Mornin' all! Wee bit woozy from last night so excuse me.
Called Barclaycard just now to say "Yup close the account I can't be trusted with it behind the bar" and nice retentions lady reduced my APR by 3% to leave the a/c open.
Retentions deals FTW!!!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 01.07.100 -
Innocent_Guy wrote: »Well done.......... Alright for some!
Hehe
You wouldn't be saying that if you had the headache I do!! Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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LOL - I have my drinking card what is basically the card I transfer X to before I go out so that I can only spend that amount! Does the trick aslong as thats the only card you take out with ya :TIt's because of my inadvertent (yeah inadvertent my a**) spending behind the bar last night. Didn't want the temptation.
Although now that I've checked everything it turns out I didn't use my credit card atall... it was all out of my bank account... so I'm not as reckless as I thought
... I have a wallet full of change to pay back in now
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 01.07.100 -
Ha Ha....... :rotfl::rotfl::rotfl:Hehe You wouldn't be saying that if you had the headache I do!!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 01.07.100 -
Hehe You wouldn't be saying that if you had the headache I do!!
When your drunk, drink lots of water before you dive into bed. That ALWAYS works for me and leaves me with absolutely no hangover in the morning.
I usually wake up about 6am the morning after, absolutely bursting for a toilet, but it does the trick.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0 -
When your drunk, drink lots of water before you dive into bed. That ALWAYS works for me and leaves me with absolutely no hangover in the morning.
I usually wake up about 6am the morning after, absolutely bursting for a toilet, but it does the trick.
I normally take a couple of ibuprofen with a pint of water when I get in, as you say works a treat... Didn't make it to the medicine cupboard last night tho... :rotfl:Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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I normally take a couple of ibuprofen with a pint of water when I get in, as you say works a treat... Didn't make it to the medicine cupboard last night tho... :rotfl:
LOL I know exactly what you mean.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0 -
I recently applied and got declined for an Aqua Card.
They said :-
[FONT="]Unfortunately on this occasion your application has fallen outside of our standard criteria, and as a result we are unable to offer you a facility with us at this time. [/FONT]
But I though being Aqua was sub-prime then their criteria would be low? I already have Next and Vanquis accounts - so I'm not entirely uncredit worthy.
Furthermore :-
[FONT="]You can be assured that this decision was in no way based on any adverse information located on your credit file, and will not have a negative affect on your future credit rating. [/FONT]
Hmmm ... so why have I been declined ?
And with another search on my experian credit file, how can they claim that this will not have a negative impact ??
Any thoughts ?
MintyA bank is a place where they lend you an umbrella in fair weather and ask for it back when it rains0 -
With Aqua, don't you have to answer a series of pre-application questions? Most likely your answers turned you down and as a result you would not have been credit searches.0
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Aqua Pre-application questions:
Have you ever:
- been declared bankrupt?
- received a CCJ?
- received a default notice on a credit account?
How long ago was this?
Amount?0
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