The Sub Prime Credit Thread - Part IV

Brian1966

seeya23 wrote: »

may be if close some of these Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0


you may get one

I am going to start closing some of Jd's accounts in next few months once 18 months of green zero's on each, probably keep one and close the others as would never spend that much.
May close one of my shop direct accounts too, have no need for 3 of them. :cool:

never-in-doubt

Brian already owns 80% of Home Shopping Direct (JD Williams) and now he's trying to get one of every card available.... I can imagine him surpassing my record 200 searches soon enough! _party_

Brian1966

Zack1 wrote: »

:rotfl: Must admit your sig made me laugh when I saw one of your posts a while back! :beer:

All opened in just over a year lol....started Sept last year amassing my collection :j

never-in-doubt

Zack1 wrote: »

:rotfl: Must admit your sig made me laugh when I saw one of your posts a while back! :beer:

Yea, right now it looks like this:

Brian's_dodgy_sig wrote:

Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0

Brian wants it though, to look more like this: :rotfl: :rotfl: :rotfl:

Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0

Brian1966

never-in-doubt wrote: »

Brian already owns 80% of Home Shopping Direct (JD Williams) and now he's trying to get one of every card available.... I can imagine him surpassing my record 200 searches soon enough! _party_

Don't mind as long as I have 200 card to go with 200 searches... imagine the repayments though...scary

Brian1966

Give it time and I will need a whole page as my signature :rotfl:
Only get 7 lines at the moment, not enough...must e-mail Martin :money:

Zack1

never-in-doubt wrote: »

Yea, right now it looks like this:



Brian wants it though, to look more like this: :rotfl: :rotfl: :rotfl:

Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0..Natwest gold..Limit £1000 bal £0..Vanquis Limit £1500 bal £404..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £950 bal £235..Empire Limit £2000 bal £612..Jd williams..Limit £1100 bal £0..Simplybe..Limit £900 bal 0,,Fashion world..Limit £600 bal £146 Jacamo..Limit£125 bal 0 Next..Limit £300 bal £120 Asda..limit £750 bal 0

:rotfl: Hahaha! I actually want that eventually! . Gotta stop being a student though, places don't seem to like that!

That is some collection in a year though Brian!

BTW what's with Alliance showing up on my credit report, even though I don't have an overdraft with them? And I've got 2 Natwest accounts which both show up, but only 1 of them has the student overdraft on

Brian1966

Zack1 wrote: »

:rotfl: Hahaha! I actually want that eventually! . Gotta stop being a student though, places don't seem to like that!

That is some collection in a year though Brian!

BTW what's with Alliance showing up on my credit report, even though I don't have an overdraft with them? And I've got 2 Natwest accounts which both show up, but only 1 of them has the student overdraft on

Most current accounts report to all 3 CRA's.
I have 2 with Natwest which report, one's a step, one is Advantage Gold

Zack1

Brian1966 wrote: »

Most current accounts report to all 3 CRA's.
I have 2 with Natwest which report, one's a step, one is Advantage Gold

Thanks . I don't understand why though, they aren't giving us credit (well one Natwest is but the rest aren't) so why appear on our credit report

I know it says when they were opened (and my date is wrong :mad:, it should be 2002 but Natwest changed from Card Plus to Adapt or whatever it is nowadays so that messed it up), but it asks for that on the application forms for products....

Brian1966

Zack1 wrote: »

Thanks . I don't understand why though, they aren't giving us credit (well one Natwest is but the rest aren't) so why appear on our credit report

I know it says when they were opened (and my date is wrong :mad:, it should be 2002 but Natwest changed from Card Plus to Adapt or whatever it is nowadays so that messed it up), but it asks for that on the application forms for products....

Thats why I have kept the Step account, opened in 2003 so on applications my time with bank is 6 yrs plus. Opened Ad Gold last year which doesn't look as good if you put 1 year