credit card help please

louisecp

Hi Guys

I really need help - I am a teacher who had a bit of bother with a student overdraft over a year ago - I didnt pay back a min sum and they took 900 pounds off me all at once - anyway I sorted it out and paed them everything back...

I also have a student overdraft which is £800 whic I am paying off monthly...

Anyway I have been at my current place for over a year and applied to go on the electoral register 3 weeks ago - I go on in May 28th...

However, I am going to Amierca for 3months on may 28th and really need a credit card for emergencies...

I applied for a marks and spencers card last week and got rejected - I checked with experien and its because of the electoral register thing...

Can anyone help with suggesting a credit card? can i stress its only for emergencies and I wont be stupid??

Please help i go in 18days and am paniking about not having a back up source of cash incase i get stuck...

Many thanks

Louise :-)

cifpower

You are leaving a bit tight if you go in just 18 days! Have you approached your bank for a CC? As you have had credit problems in the past you may only qualify for a sub-prime card like Vanquis.

never-in-doubt

louisecp wrote: »

Hi Guys

I really need help - I am a teacher who had a bit of bother with a student overdraft over a year ago - I didnt pay back a min sum and they took 900 pounds off me all at once - anyway I sorted it out and paed them everything back...

I also have a student overdraft which is £800 whic I am paying off monthly...

Anyway I have been at my current place for over a year and applied to go on the electoral register 3 weeks ago - I go on in May 28th...

However, I am going to Amierca for 3months on may 28th and really need a credit card for emergencies...

I applied for a marks and spencers card last week and got rejected - I checked with experien and its because of the electoral register thing...

Can anyone help with suggesting a credit card? can i stress its only for emergencies and I wont be stupid??

Please help i go in 18days and am paniking about not having a back up source of cash incase i get stuck...

Many thanks

Louise :-)

I assume you're not a maths teacher then

Seriosuly though, you've left it a little late - 18 days to get a card up and running is a little soon, especially if you're considering Sub Prime.

Have a read here: http://forums.moneysavingexpert.com/showthread.html?t=1626277

louisecp

I know - I suck!!

Spoke to my bank who say thay cant give me one if im not registerd to vote - manchester council are rubbish sent my forms off over a month ago but they wont register me until 28th may!!

am i likely to be accepted from Vanquis or Barclaycard? I dont want to harm my credit score...

Thanks x

never-in-doubt

louisecp wrote: »

I know - I suck!!

Spoke to my bank who say thay cant give me one if im not registerd to vote - manchester council are rubbish sent my forms off over a month ago but they wont register me until 28th may!!

am i likely to be accepted from Vanquis or Barclaycard? I dont want to harm my credit score...

Thanks x

you wont harm your score cos you'll be away for three months - so just go for them both but vanquis are slow..... barclays may say no if you're not on e/r as well.

louisecp

okay ive applied for vanquis, aqua and capital one... hopefully one will come back just incase... i am a numpty!!!

Will let you know how it goes...

thriftymomma

louisecp wrote: »

okay ive applied for vanquis, aqua and capital one... hopefully one will come back just incase... i am a numpty!!!

Will let you know how it goes...

Good luck. Hope you get one.

never-in-doubt

louisecp wrote: »

okay ive applied for vanquis, aqua and capital one... hopefully one will come back just incase... i am a numpty!!!

Will let you know how it goes...

Good Luck! Have you tried your own bank by the way? If they say no because you're not on E/R then close the account cos that's shocking - they have history on you!

By the way M&S Card is if you like a HSBC Card. They provide it for them

louisecp

I've tried my own bank and explained the situation but they said it wouldnt be worst putting me through a credit check as I woudlnt get one...

I might pop into branch tomorrow and speak to someone about it...

ILW

never-in-doubt wrote: »

I assume you're not a maths teacher then

I hope not an English teacher either judging by the spelling.