The Sub Prime Credit Thread - Part IV

Brian1966

sutton111 wrote: »

lol :rotfl::rotfl:

It's all those catalogues. :rotfl:

I have Very, Empire, Grattan, Next, Littlewoods, and Jacamo.

I did have Great Universal but i closed that down 2 weeks ago. I'm going to close Grattan, Empire, and Jacamo and maybe Very.

I'd like to keep Next and Littlewoods open. But the above plans are going to be gradually, because i don't want to harm my file by closing all my accounts at once.:)

Used to think that Jd Williams incresed limits dramatically but Shop Direct are in another league. Additions started at £400 now 1900..Empire started at £750 now £2900..Littlewoods still at £1200 but hardly used... highest limit with Jd's is £1100 and not moving.
Could never spend so much on mail order though, particularly jd Williams etc and would DREAD the repayments if I did :eek:

sutton111

I know I thought your company was the best at credit limit increases, but i do agree SDG are the most generous.

Empire £2200 Started @ £600

Littlewoods £2500 started @ £330

Very £500

Jacamo £2000 - Odd as there is only a small balance.

Next £500

Grattan £600

sutton111

Brian why don't you transfer the balance from Vanquis to Natwest ot Asda to save some dosh. Or is that Signature 12 months old? :rotfl::rotfl::rotfl:

And they're all maxed out by visiting BigBum. :rotfl:

EDIT: I love the interests in your infomation page!! :rotfl::rotfl::rotfl::rotfl:

Brian1966

sutton111 wrote: »

I know I thought your company was the best at credit limit increases, but i do agree SDG are the most generous.

Empire £2200 Started @ £600

Littlewoods £2500 started @ £330

Very £500

Jacamo £2000 - Odd as there is only a small balance.

Next £500

Grattan £600

Next £500..lucky you...I started at £250, then £300 now £66...I owe £65.66 so a whopping 34p to spend...do they sell pick &mix by any chance :rotfl:

sutton111

Brian1966 wrote: »

Next £500..lucky you...I started at £250, then £300 now £66...I owe £65.66 so a whopping 34p to spend...do they sell pick &mix by any chance :rotfl:

lol :rotfl:

Well they kept messing mine around too. It started at £150 then £250 then back to £150 then £100 for about 2 months, then up to £600 in November back down to £500 in December and it's been there ever since. :cool:

I even have a directory card. :eek: :rotfl:

Brian1966

sutton111 wrote: »

Brian why don't you transfer the balance from Vanquis to Natwest ot Asda to save some dosh. Or is that Signature 12 months old? :rotfl::rotfl::rotfl:

And they're all maxed out by visiting BigBum. :rotfl:

P.S I love the interests in your infomation page!! :rotfl::rotfl::rotfl::rotfl:

Purposely kept a balance on Vanquis..want a gold card but not forthcoming. Longest account too so don't want to close.
Natwest started at £1000 only spent and repaid about £400 and got an increase. Nice people :j
Cards maxed out visiting Bigbum....would take a lot of condoms to max them out and being a Money Saving Sexpert I use clingfilm :rotfl:

Brian1966

sutton111 wrote: »

lol :rotfl:

Well they kept messing mine around too. It started at £150 then £250 then back to £150 then £100 for about 2 months, then up to £600 in November back down to £500 in December and it's been there ever since. :cool:

I even have a directory card. :eek: :rotfl:

Got more chance of a lottery win than a directory card...and I don't even buy a ticket :j

sutton111

Brian1966 wrote: »

Got more chance of a lottery win than a directory card...and I don't even buy a ticket :j

They annoy me because you never know where you stand with them, they're all over the shop. But I like their clothes.

Brian1966

sutton111 wrote: »

They annoy me because you never know where you stand with them, they're all over the shop. But I like their clothes.

I'm deliberately paying minimum payment or just over to keep account running. Costs me just over £1.50 per month service charge but insist on postal statements which they pay for so they probably make a pound a month off me. Never missed a payment so keep hoping for a SMALL increase to at least £3,75 to pay for next book :rotfl:

sutton111

Brian1966 wrote: »

I'm deliberately paying minimum payment or just over to keep account running. Costs me just over £1.50 per month service charge but insist on postal statements which they pay for so they probably make a pound a month off me. Never missed a payment so keep hoping for a SMALL increase to at least £3,75 to pay for next book :rotfl:

:rotfl:

Have you tired ringing their credit referrals department, i know they give you aload of old flannel but may be worth ago. Even if it's for £3.75! :rotfl: