The Sub Prime Credit Thread - Part IV

seeya23

ElkyElky wrote: »

£100 is better than nothing. :rotfl: There are people in the world who can't even get a catalogue account, poor things.

that was me for years :rotfl::rotfl::rotfl:

never-in-doubt

sutton111 wrote: »

:rotfl::rotfl:. I know how you feel!! I might do that yet!!

what limit you get mate?

ElkyElky

seeya23 wrote: »

that was me for years :rotfl::rotfl::rotfl:

Well you've come a long way now. You have an account with almost every catalogue company in UK.

When you order your credit report, do they have to unload it from the van using a fork lift truck? I'd imagine it would be so big because of the amount of 0's being added to it every month. :rotfl:

seeya23

never-in-doubt wrote: »

what limit you get mate?

i think he got £200 may go up to £400 after 4 months

http://www.capitalone.co.uk/creditcards/credit-review-explained.jsf

never-in-doubt

Oooooh, just logged into JD Williams and limit increased from £1000 to £1400... Thinking about it, I just got accepted (yea right) for RBS Current Account and Coventry First so I wonder if maybe my CIFAS have left a month early? I may SAR them and check.....

That (other than my unlimited searches) were my main problem, but my searches are now down to less than 80 (brilliant eh?) and by July they will be down to 20 or so.... remember in November they were 500+ searches!

seeya23

ElkyElky wrote: »

Well you've come a long way now. You have an account with almost every catalogue company in UK.

When you order your credit report, do they have to unload it from the van using a fork lift truck? I'd imagine it would be so big because of the amount of 0's being added to it every month. :rotfl:

:rotfl::rotfl::rotfl::rotfl:

Zack1

sutton111 wrote: »

:rotfl::rotfl:. I know how you feel!! I might do that yet!!

Yay! . In my halls one of the walls in my room is damaged, so I'll have to pay a fine for that when I moved out (:rolleyes:) so as we're banned from having posters I'm thinking of putting a gigantic one up.... you've just given me an idea.... get that Capital One letter enlarged and stick that up

ElkyElky wrote: »

£100 is better than nothing. :rotfl: There are people in the world who can't even get a catalogue account, poor things.

:rotfl:. It'll be 200 in a few days

seeya23 wrote: »

that was me for years :rotfl::rotfl::rotfl:

Haha, awww! As Elky says, you now need a truck to get your credit report! If my opening basic accounts will get me 0's, I might be the same

Zack1

never-in-doubt wrote: »

Oooooh, just logged into JD Williams and limit increased from £1000 to £1400... Thinking about it, I just got accepted (yea right) for RBS Current Account and Coventry First so I wonder if maybe my CIFAS have left a month early? I may SAR them and check.....

That (other than my unlimited searches) were my main problem, but my searches are now down to less than 80 (brilliant eh?) and by July they will be down to 20 or so.... remember in November they were 500+ searches!

1.4k on JDW!?!? Who the hell could spend that much!? And if you did then you'd find if you looked around you'd have got it for £600 . Who's got the biggest limit on JDW!? What does it go up to!!!:eek:

I never use my account so assume I won't get an increase, if I do I'll prob bring it back down anyway while I'm a student (because banks seem to hate us, and having high limits with £0 balances won't help!), but would be nice to get an increase for something!!

sutton111

never-in-doubt wrote: »

what limit you get mate?

£200, which isn't fantastic, but it's a start!

ElkyElky

What's the most amount of credit cards you guys have held at one time?