The Sub Prime Credit Thread - Part IV

Innocent_Guy

If I select the option on HSBC internet banking to amend O/D do they credit check you?

fairmorn308

Innocent_Guy wrote: »

Evening! All is well and good and yourself?

Not 2 bad tho. just a waiting game to get my credit files all sorted and debts paid off. Hopefully have debts paid by june then its time for saving

THEMOUND

Innocent_Guy wrote: »

Cheers, I may spend approx £1000 - £1500 on it a month?

Can you apply for another B/Card after 6 months? Do they credit check?

Can you explain your fascination with applying for multiple cards from different lenders:whistle:

It seems to me that your collecting them for fun judging by your crowing about which card you get next:D:D:D

THEMOUND

fairmorn308 wrote: »

Not 2 bad tho. just a waiting game to get my credit files all sorted and debts paid off. Hopefully have debts paid by june then its time for saving

God at times its like a dating site :D:D:D:D:D

izools

Innocent_Guy wrote: »

Cheers, I may spend approx £1000 - £1500 on it a month?

Can you apply for another B/Card after 6 months? Do they credit check?

You can apply after six months, I'd wait until your 7th statement is produced, then you can apply for the Barclaycard Breath. They don't always credit check, it depends how well you've run the Initial account. Normally they don't.

THEMOUND wrote: »

Can you explain your fascination with applying for multiple cards from different lenders:whistle:

It seems to me that your collecting them for fun judging by your crowing about which card you get next:D:D:D

You're a fine one to talk, with over £100,000 worth of credit limits. We're a friendly bunch here on the whole (unless I start a fight with Niddy but that doesn't happen too often anymore and it's kinda fun for everyone anyway).

Randomly firing a dig at someone because you are in a totally opposing position credit wise is not well taken and I personally find your attitude conveyed in this post a bit foul.

We either have little credit history or prior negative history which is sorted. We therefore need to build as best a portfolio of well managed credit accounts as possible.

It's good practice

It's fun

It's ingratiating when a few years ago we may have had every lender stick their finger up at us

It's good for choice if we ever need to use a credit facility for say, a family emergency, a household good breakdown, or any other unplanned vitality that real world expenses have prohibited us from being able to save for.

I would imagine someone like you who has £104K of credit limits is on a very good salary, older middle aged, and has plenty of equity and savings.

Some of us are just starting out or starting a fresh and will need to work up to a better position. If you don't like how we do it, an feel the need to be snobbish about it, you can **** off mate

Innocent_Guy

THEMOUND wrote: »

Can you explain your fascination with applying for multiple cards from different lenders:whistle:

It seems to me that your collecting them for fun judging by your crowing about which card you get next:D:D:D

Judging buy your signature you have got a few cards yourself mate!

TBH, I apply for cards as 1 year ago I couldn't get anything credit wise so know enjoy the few acceptances I get

wizzywig27

izools is themound not the local troll? Just winding you up! I can imagine his credit limits are from the land of make believe as well lol

PROLIANT

THEMOUND wrote: »

God at times its like a dating site :D:D:D:D:D

Wow, £100K of available credit card debt? :think:

izools

wizzywig27 wrote: »

izools is themound not the local troll? Just winding you up! I can imagine his credit limits are from the land of make believe as well lol

LOL right, four BOS cards one with a £36K+ limit.

Holy !!!!!! guys you'll never guess what I just saw!

A pig just went zooming over the lake out back and yes, I can confirm, Satan is having to nip to millets to grab some thermals as it's snowing in hell...

Innocent_Guy

izools wrote: »

You can apply after six months, I'd wait until your 7th statement is produced, then you can apply for the Barclaycard Breath. They don't always credit check, it depends how well you've run the Initial account. Normally they don't.



You're a fine one to talk, with over £100,000 worth of credit limits. We're a friendly bunch here on the whole (unless I start a fight with Niddy but that doesn't happen too often anymore and it's kinda fun for everyone anyway).

Randomly firing a dig at someone because you are in a totally opposing position credit wise is not well taken and I personally find your attitude conveyed in this post a bit foul.

We either have little credit history or prior negative history which is sorted. We therefore need to build as best a portfolio of well managed credit accounts as possible.

It's good practice

It's fun

It's ingratiating when a few years ago we may have had every lender stick their finger up at us

It's good for choice if we ever need to use a credit facility for say, a family emergency, a household good breakdown, or any other unplanned vitality that real world expenses have prohibited us from being able to save for.

I would imagine someone like you who has £104K of credit limits is on a very good salary, older middle aged, and has plenty of equity and savings.

Some of us are just starting out or starting a fresh and will need to work up to a better position. If you don't like how we do it, an feel the need to be snobbish about it, you can **** off mate

I couldn't of said it better matey! I couldn't be bothered to write that but totally agree with every point. :beer: