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The Sub Prime Credit Thread - Part IV

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I need to close my LTSB account.

    Didn't realise you had a Lloyds TSB account. Why you closing it?
  • seeya23
    seeya23 Posts: 2,330 Forumite
    sutton111 wrote: »
    Did she get an OD?


    no she dont need one :rotfl:she just take.s my money
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Large limits, but quite high APR's. Better than Aqua and Vanquis though. :)

    Barclaycard will hopefully change card to standard Barclaycard @ 19.9% after 6 months.

    TBH I am very please bearing in mind my last app was for capital one and I got accepted for £100 limit lol
    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 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Didn't realise you had a Lloyds TSB account. Why you closing it?

    Dont use it and I need to settle as many accounts as possible as I now have 20 accounts showing on credit files lol :p
    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 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    no she dont need one :rotfl:she just take.s my money

    Haha!! :rotfl::rotfl:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    seeya23 wrote: »
    no she dont need one :rotfl:she just take.s my money

    Typical!!! :rotfl::rotfl:
    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 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Dont use it and I need to settle as many accounts as possible as I now have 20 accounts showing on credit files lol :p
    Barclaycard will hopefully change card to standard Barclaycard @ 19.9% after 6 months.

    TBH I am very please bearing in mind my last app was for capital one and I got accepted for £100 limit lol


    I'm going to close my Abbey account soon. I don't use that either. I have loads of accounts open too.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I'm going to close my Abbey account soon. I don't use that either. I have loads of accounts open too.

    I have got 3 abbey accounts to close.

    1 of them is o/d so need to reduce o/d first :eek:
    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 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I have got 3 abbey accounts to close.

    1 of them is o/d so need to reduce o/d first :eek:

    So what accounts are you using then? HSBC and Barclays?

    Why don't you just close them, why do you have to reduce the OD first?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    So what accounts are you using then? HSBC and Barclays?

    Why don't you just close them, why do you have to reduce the OD first?

    I am using HSBC as my main account and Barclays as my secondary.

    1 of my Abbey accounts is currently overdrawn so I need to sort that out before they will close it.
    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 01.07.10
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