catalogue accounts

Brian1966

Victor
Very interesting indeed...Thought it strange when my other littlewoods opened with a £1200 limit..That's the one that also gave me the £500 award on opening.. Could be in for some good increases over coming months then

ElkyElky

Rose123 wrote: »

lol, the 6 on experian are from this month, the 5 or 6 from equifax are for the past 6 months, lol

Im going to stop now, I feel bad now when i have goody two shoes like you around, lol. Not a bad thing, just an encouragement to stay strong, lol

I know exactly how you feel lol. It feels great to have a brand new, fresh and pure credit card land on your door step, even if you don't need it. I can bearly keep myself away from those evil application pages :eek:

victor-meldrew_4

cifpower wrote: »

Whenever I have tried to order something over my limit with Next they search my Equifax file

thats not good.is that hidden in the terms.have you treid to get them removed?
ill be carefull of that.what with the cat applying for credit i dont want next raking up the searches to.lol

victor-meldrew_4

Brian1966 wrote: »

Victor
Very interesting indeed...Thought it strange when my other littlewoods opened with a £1200 limit..That's the one that also gave me the £500 award on opening.. Could be in for some good increases over coming months then

all DIRECT, LITTLE/ADDIT etc are the lowest limits of all of ours.even though they are the oldest,had the biggest payments and most purchases,large ones aswell.

digitalphase

Brian1966 wrote: »

Forgot to say..CONGRATULATIONS to Digital phase on Next account..Well done :beer:

Thanks Brian! I so didn't think I was going to get one after being declined for Littlewoods and Empire (although I didn't request a catalogue first which may have affected things?)

cifpower

victor-meldrew wrote: »

thats not good.is that hidden in the terms.have you treid to get them removed?
ill be carefull of that.what with the cat applying for credit i dont want next raking up the searches to.lol

They are soft searches (on your file but don't count towards credit scoring) and is in the agreement

Rose123

ElkyElky wrote: »

I know exactly how you feel lol. It feels great to have a brand new, fresh and pure credit card land on your door step, even if you don't need it. I can bearly keep myself away from those evil application pages :eek:

Its a terrible addiction

We are really crazy! Who finds it great to be handed debt? lol

ElkyElky

Rose123 wrote: »

Its a terrible addiction

We are really crazy! Who finds it great to be handed debt? lol

LOL The only part I'm addicted to is applying. I rarely use my cards but my main goal is to get a good enough credit score for getting a mortgage in the future.

As long as your happy with your situation and can meet all of the repayments, theres nothing wrong with it.

When it comes to debt, I have 2 rules. Never have a balance above £400 on any card and never have more than 1 catalogue account. Seems to work for me :j

Rose123

ElkyElky wrote: »

LOL The only part I'm addicted to is applying. I rarely use my cards but my main goal is to get a good enough credit score for getting a mortgage in the future.

As long as your happy with your situation and can meet all of the repayments, theres nothing wrong with it.

When it comes to debt, I have 2 rules. Never have a balance above £400 on any card and never have more than 1 catalogue account. Seems to work for me :j

Good rule!

Im still worried as to whether Debenhams will see me as a high risk after my spend yesterday but its still getting cleared on payday so hopefully they will see i like spending but im capable of handling my spending patterns!

I have one catalogue account but i would appreciate one more for variety. I dont use catalogue accounts that much and I dont think I really will, I like to see my things before I buy, not go through all the hassle of purchasing and returning etc etc

Yep, I just want to take the 1's off my CRA files and get my searches down to virtually nothing with good limits on my cards and ill be happy, lol

Brian1966

Morning Rose
To be honest I don't think Debenhams (GE Money) will be too worried regarding your spending yesterday.
Whether you pay in full or even a large part of it off they will be only too happy that you are using the credit extended to you. :j