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The Sub Prime Credit Thread - Part IV
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Boots still haven't charged me for that perfume I bought a few days ago. Not even a pending transaction.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0
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I have never requested an o/d increase. I will certainly be complaining!plumber2009 wrote: »Have you changed your overdraft limit more than one within the last 6 months?
HSBC charge a £25.00 arrangment fee should you make more than one overdraft change request in a 6 month period.
This has been in place for a long time and I found out when I requested a tempory overdraft increase for one month and was told to make a request for a permanent increase due to the fact I would be charged an arrangment fee as I had made a request 3 months earlier.
hope this helps.Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Stay away! Dont do it! LOL.I've got the bug today. Am looking at that Apply button on Halifax Reward account. I applied 7 weeks ago but was declined. I haven't had a search in 5 weeks now. Hmmmm....
Effect, why do you want this account sooooo much? Is it the generous pre-approvals or something?Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Very have just increased my Limit. I called and spoke to the credit dept asked for an increase and they asked "How much would I like?!" Wish all lenders rewarded good customers like this!Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
How much did you ask for and get?Innocent_Guy wrote: »Very have just increased my Limit. I called and spoke to the credit dept asked for an increase and they asked "How much would I like?!" Wish all lenders rewarded good customers like this!0 -
Asked for it to be put up to £400. Thats plenty for me! I know have over £2000 available on catalogue accounts! :eek:How much did you ask for and get?Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Haha! How much did you previously have?Innocent_Guy wrote: »Asked for it to be put up to £400. Thats plenty for me! I know have over £2000 available on catalogue accounts! :eek:
Won't having too much effect you badly for future apps though? That's the problem I might have with my overdraft. And if HSD put my limit up I'm going to ask for it to come back down0 -
Not really as I earn a resonable salary. I might have 5k of available credit but in the real world this is nothing as for example my dads credit limit on his CC is over 15kHaha! How much did you previously have?
Won't having too much effect you badly for future apps though? That's the problem I might have with my overdraft. And if HSD put my limit up I'm going to ask for it to come back downBank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Remember you need to prove to lenders that you can manage a high limit. It may also flag up to lenders that your other accounts have not increased your limit as you run you account badly
Won't having too much effect you badly for future apps though? That's the problem I might have with my overdraft. And if HSD put my limit up I'm going to ask for it to come back downBank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100
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