The Sub Prime Credit Thread - Part IV

kilasuit

i am on month 11 according to equifax and at £1500 i think i 'm gonna pay it off and then pop it in the safe

Innocent_Guy

kilasuit wrote: »

i am on month 11 according to equifax and at £1500 i think i 'm gonna pay it off and then pop it in the safe

Our credit limits are very similar

kilasuit

Innocent_Guy wrote: »

Our credit limits are very similar

Yes indeed

seeya23

1-0 to the notts county been to the game tonight with my kids

Zack1

My letter from Crap1 showed up today. Massive writing about the 5% APR cut then....

"You're on track to receive further rate reductions.

Continue to pay on time each month and stay within your new whooping credit limit and we'll reduce your purchase and balance transfer rates every 6 months (up to your 22nd statement or when your rate reaches 19.9% PA, whichever is sooner). Lower rates mean you can pay less interest and could save money"

So what card am I on!? I thouht the card above was the one that kept slashing the limit I def went for the worst card though

never-in-doubt

Innocent_Guy wrote: »

Yeah I recall him being mentioned as the resident troll.

Some people have been stupid enough to rack up that much on cards....

No mate - thats not him.......

The troll isn't like that, he was last known as the prodigal son or rovers return.... and was funny, he didn't have a go at people.

The mound last posted this: #3665

wizzywig27

Out of interest, a week after opening my Lloyds account, if I applied for an O/D online will it credit check me?

wayne99

THEMOUND wrote: »

BARCLAYCARD PLATINUM- £22,000 LIMIT
HALIFAX ALL IN ONE £11,000 LIMIT
HALIFAX EASY RATE £17,500 LIMIT
HALIFAX MARRIOT - £16,950 LIMIT
BOS PLUS - £36,900 LIMIT
LOL

Jealousy is bad isnt it

personally i think your full of crap, and have put those limits on your siggy to try and make yourself look big.

never-in-doubt

wizzywig27 wrote: »

Out of interest, a week after opening my Lloyds account, if I applied for an O/D online will it credit check me?

Yes - 1000000000% cos they have 0 history on you! If they were going to give one they'd have done it at account opening, however you can ring and blag it and say 'can I check, did my account come pre-approved with an overdraft cos I cannot remember if they told me it would have one and I wondered if it'd been applied yet'....

If they say, no - would you like to apply for one - you say, nah - I just wondered, no big deal and that way no search is done!

wizzywig27

never-in-doubt wrote: »

Yes - 1000000000% cos they have 0 history on you! If they were going to give one they'd have done it at account opening, however you can ring and blag it and say 'can I check, did my account come pre-approved with an overdraft cos I cannot remember if they told me it would have one and I wondered if it'd been applied yet'....

If they say, no - would you like to apply for one - you say, nah - I just wondered, no big deal and that way no search is done!

To be honest mate, I dont want one, just wondered for future reference. But when I applied over the phone, she did take me through the credit check then ask what products I would like on my account, I said no overdraft, so how do they know what to credit check you for?