6 month plan to improve credit rating and get credit card - please help

jasonwatkins

PNPSUKNET wrote: »

JD williams accept everyone

Give me 10 minutes and i'll prove that wrong

*edit*

Bloody hell .. they accepted me ... :shocked:

kadiea

PNPSUKNET wrote: »

JD williams accept everyone

Declined! they give you a 125 initial limit until they credit check you then you get declined. Happened to both me and my friend!!!

tummy6

Try creditbuilder from cashplus

jasonwatkins

kadiea wrote: »

Declined! they give you a 125 initial limit until they credit check you then you get declined. Happened to both me and my friend!!!

ahhh that'll be what happens to me then ...

Credit_Newbie_2

Ok so here is an update, I have bit the bullet and gone for a CashPlus card with CreditBuilder, initially I wanted to avoid this as it involves paying for credit rating but it seems one of my only choices.

I have a couple of questions though:

1) Will the monthly fee be taken from my account as a direct debit? I ask as during the application process they took my bank details for the initial payment of around £15 but there was no mention of Direct Debit, obviously I want to ensure I don’t miss a single payment.

2) I saw that there is an option to pay back the loan early rather than waiting 12 months. If I pay back in full after 6 months will this still be added to my credit report as a fully repaid loan, the same as it would if it was paid off over 12 months?

Thanks

PNPSUKNET

kadiea wrote: »

Declined! they give you a 125 initial limit until they credit check you then you get declined. Happened to both me and my friend!!!

Must has a really bad rating then, about the first that I hear has been declined.

never-in-doubt

PNPSUKNET wrote: »

Must has a really bad rating then, about the first that I hear has been declined.

It does happen a bit mate, I have a JD Account that started with £125 like most, then when you log off and in again the limit may change (cos they do a search and the page will update at re log-in) so your initial limit may be the same, higher, lower or completely gone.

If the latter, they have credit checked you and decided no. Otherwise they are reasonably easy.

I got the JD with £125 and then logged in again and my limit went down to £100. It now stands at £700 (£100 increase each month)....

I got declined jacamo - well, it gave the standard £125 and after logging back in the limit had gone and all was left was option to pay using card. Credit Account had vanished.

Thats as an existing customer with 6 months payment history with my JD account.....

jasonwatkins

Well i've placed an order with JD Williams and it's been accepted and queued for delivery - no sign of them rejecting or cancelling it yet.

I'm still a bit surprised since I get rejected for absolutely everything.

I even got rejected for an Aqua card earlier in the year and they're apparently designed for people with crappy credit ratings.

heloid

I got rejected for Aqua and Vanquis. However my bank accepted with no issues at £1500.
I would try them first, even if you have no 'credit history' your bank surely has a couple of years worth of bank statements showing money going in and out.

jasonwatkins

been down that road with the bank already - only allowed a basic account.