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how long before " normal " credit card

doelani
Posts: 2,576 Forumite

in Credit cards
Hubby and I bother got subprime cards last October..
me
Aquacard start £250 now £450
Vanquis start £250 now £1250
him
Aquacrd start £800 now £1200
We pay them off each month and wondering how long to wait before applying for a "normal " credit card. We did apply after getting these but got a no from each, cannot even remember now who but applied for a few, these applications were all over 6 months ago. We did have defualts which still showed as balances but are now all satisfied although still on credit file.
me
Aquacard start £250 now £450
Vanquis start £250 now £1250
him
Aquacrd start £800 now £1200
We pay them off each month and wondering how long to wait before applying for a "normal " credit card. We did apply after getting these but got a no from each, cannot even remember now who but applied for a few, these applications were all over 6 months ago. We did have defualts which still showed as balances but are now all satisfied although still on credit file.
TOTAL 44 weeks lose. 6st 9.5lb :T
0
Comments
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Hi doelani
Credit is tight at the moment and probably will be for a while to come.
Do you really really need a credit card?0 -
seems a bit random to me, my very first credit card is MBNAs play credit card with a 1000 limit0
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Can you define 'normal'?
You seem to be handling the existing cards very well - why change now?0 -
Seems a bit random to me, my very first credit card is MBNAs play credit card with a £1000 limit
The OP and her husband both have defaults on their credit files. Just make sure you avoid those and you'll be finePeople who don't know their rights, don't actually have those rights.0 -
Hubby and I both got subprime cards last October. We pay them off each month and wondering how long to wait before applying for a "normal " credit card.
:beer:
I take it you've checked your credit reports with Experian, Equifax and Callcredit to see what's actually on there now. (For help, see page 1 of the *How to obtain credit reports* sticky)
In general a default shows on a credit reference file for 6 years from the date of the default.We did apply after getting these, but got a no from each. I cannot even remember now who, but applied for a few. These applications were all over 6 months ago.
From here on, you need to keep a careful record of which firms you've applied to, otherwise you risk making things worse for yourselves by approaching the same lenders twice.People who don't know their rights, don't actually have those rights.0 -
thanks for replies
I guess we do not really " need " another card, it would be instead of what we have rather than as well as what we have. Although we pay off what we spend each month ( not usually much ) we have been using them to rebuild credit records after IVA.
We have something coming up and may need to use credit card and pay it off over a few months afterwards and would be easier if it was a lower interest rate.
Hopefully will not need it anyay lol
thanks aganTOTAL 44 weeks lose. 6st 9.5lb :T0
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