The Sub Prime Credit Thread - Part IV

wizzywig27

THEMOUND wrote: »

So you keep saying;););)

These cards have been held for a long time and perhaps one is a tad jealous instead having to make do with low rent cards with piddling limits.

To be fair I wouldnt want those limits, and for someone to have those limits it foolish :rotfl:

I aint jealous, I am what I am and have what I have, no other way I would like to be

THEMOUND

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

Ok fair enough perhaps one comes across ragther snooty,its not meant to appear that way.Im just lucky that i have it available i guess should i need it,i will take on board your points izoolz and ensure i post with care and love towards people in the future :T:T

Innocent_Guy

THEMOUND wrote: »

So you keep saying;););)

These cards have been held for a long time and perhaps one is a tad jealous instead having to make do with low rent cards with piddling limits.

Might be time to get you PPR'd again?

wizzywig27

Innocent_Guy wrote: »

I am on month 12. I wouldn't want to go vegas on vanquis lol

haha, no mate, I aint gonna max it, just for the hotel and maybe a back up, am aiming to take more than enough in cash

THEMOUND

wizzywig27 wrote: »

To be fair I wouldnt want those limits, and for someone to have those limits it foolish :rotfl:

I aint jealous, I am what I am and have what I have, no other way I would like to be

Fair enough, im not using the maximum available to me all the time,i have been a customer of all the companies for many years so i guess im rewarded for that.

Although i hate the Vanquis brand i might just apply and see what happens--one more wont hurt i suppose :rotfl:

THEMOUND

Innocent_Guy wrote: »

Might be time to get you PPR'd again?

LOL

Jealousy is bad isnt it

wizzywig27

THEMOUND wrote: »

Fair enough, im not using the maximum available to me all the time,i have been a customer of all the companies for many years so i guess im rewarded for that.

Although i hate the Vanquis brand i might just apply and see what happens--one more wont hurt i suppose :rotfl:

Go for it, they will probably decline you as you do not meet their criteria (i.e have defaults etc) - but uts worth a go I guess - just ensure you pay it off every month, wouldnt want the charges now would you :rotfl:

Innocent_Guy

THEMOUND wrote: »

LOL

Jealousy is bad isnt it

TBH I have achieved alot for someone of my age. I am happy with what I have

izools

wizzywig27 wrote: »

Go for it, they will probably decline you as you do not meet their criteria (i.e have defaults etc) - but uts worth a go I guess - just ensure you pay it off every month, wouldnt want the charges now would you :rotfl:

And apply through Quidco to bag £25 cashback - and you could pick up a Cap 1 card via quidco, too. That's another £23 cahsback.

Think of that, enough for 1/4 an oz of your favourite pickled fish eggs :rotfl:

izools

Innocent_Guy wrote: »

TBH I have achieved alot for someone of my age. I am happy with what I have

Here here!

They say it is not how tall a man stands that defines how great he is, but how far he climbs, having fallen...