The Sub Prime Credit Thread - Part IV

Miles30

fairmorn308 wrote: »

good evening troops hows everyone

Good evening. I am smiling because I've just had my second approval in a week.:j

fairmorn308

well done.

What approvals did you get. looks like i missed them

Miles30

izools wrote: »

... Monthly groceries cleared in full?

Or what I used my Barclaycard for at the weekend (first "proper" purchase since the card arrived on 7th November) - pets and everything that's needed for them

I have three Rats now. They're awesome! Low maintenance, low running costs, intelligent, clean, can be taught tricks, but independent enough not to need attention all the time (like a dog would). Being caged my Landlady shouldn't have a seizure when she finds out, either

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

I dont think i can look after myself well let alone look after pets lol

Miles30

fairmorn308 wrote: »

well done.

What approvals did you get. looks like i missed them

Flybe + Asda. 1000 on each. Flybe is 16.9% and asda is 22%. well it says 21.8 really

fairmorn308

well done mate. am awaiting about 6 months before i apply for anything. its not like i need anything anyway

seeya23

izools wrote: »

Guys stop panicing!

I've already confirmed the 4921 LTSB card is not full auth. Already used it on 'train; and in any case, not all my transactions leave my available balance straight away occasionally they take two or three days; not a full auth card - the full auth card from LTSB is blue

thanks for that (Good evening to all)

Zack1

I'm quite impressed with myself.... I have no food at the moment (literally, not a single thing) - went to Tesco earlier and spent £40 on my credit card................................ on alcoholic drinks for Wednesday night :rotfl:

I've gotta feeling....that Wednesday night's gonna be a good night (8)

On a slightly more serious note, Finance haven't paid up, so I've also got a feeling my 2 pending credit card bills aren't going to get paid! I'll chuck a fiver at both of them, at least that'll keep my credit record clear!! (Or will it show I've only paid the min payment?)

never-in-doubt

Miles30 wrote: »

I was surprised though. I remember NIDDY saying he thought my main problem was lack of credit and not anything bad on my report. I believe him now. Sorry Niddy not that i didnt believe you at first but couldnt imagine myself being a primer:rotfl:

Ahem - when is NiD ever wrong? :rotfl::rotfl:

Welcome to the primers club - about bl00dy time as well :T

never-in-doubt

Zack1 wrote: »

so I've also got a feeling my 2 pending credit card bills aren't going to get paid! I'll chuck a fiver at both of them, at least that'll keep my credit record clear!! (Or will it show I've only paid the min payment?)

Mate don't worry about how they report payments - lenders couldn't give a hoot if you pay the balance in full or the minimum - it is simply a tool to allow them to gauge who 'may be' in financial hardship / likely to default etc. Your agreement clearly states the amount you should repay as does the monthly statement and so long as you pay that minimum amount you are a good customer.

Paying in full does not, contrary to some bull being told on here, help or hinder a person in any way whatsoever!

Just make the min payment, all will be well. If you think it matters that much then tell me why Miles has just been accepted for 2 cards yet he has no history other than a dormant Barclaycard?

Think that says it all really - the CAIS/INSIGHT data is used ONLY for assessing additional borrowing and/or managment of credit. It is NOT & never will be used in any scoring models for new application of credit!

Regards to the England thing Weds - I hope you get gubbed LOL :rotfl: :rotfl:

seeya23

i think i need a new bank account may be ltsb had or got bank accounts with the rest