The Sub Prime Credit Thread - Part IV

sutton111

Innocent_Guy wrote: »

I think that Sygma owe me a drink lol

Ha! Yeah, you bought they alot of custom!! lol :rotfl:

Zack1

Innocent_Guy wrote: »

I think that Sygma owe me a drink lol

LOL!

And what you said earlier about having 1 card with a big limit (I quoted it but it's vanished), that's true. For me, at the moment, I don't know which I'd prefer. I want bigger limits, but Natpest won't give it to me - and, up until these recent random credit hikes, it looked like Cap1 wouldn't either. Having all those 0's from so many different accounts must help too though - but I guess there is a limit to how many 0's are effective and at some point they get ignored.....

Innocent_Guy

sutton111 wrote: »

Ha! Yeah, you bought they alot of custom!! lol :rotfl:

Tell me about it.....:D

Innocent_Guy

Zack1 wrote: »

LOL!

And what you said earlier about having 1 card with a big limit (I quoted it but it's vanished), that's true. For me, at the moment, I don't know which I'd prefer. I want bigger limits, but Natpest won't give it to me - and, up until these recent random credit hikes, it looked like Cap1 wouldn't either. Having all those 0's from so many different accounts must help too though - but I guess there is a limit to how many 0's are effective and at some point they get ignored.....

Well I have Barclaycard @ 2k - Flybe @ 5k - Slivercard @ 1k.

I am happy with those limits so will be closing most of my other accounts.

EDIT: Reference green zeros they can have a negative effect when you have too many active accounts. This is why I have closed soo many accounts recently.

sutton111

Innocent_Guy wrote: »

Tell me about it.....:D

Innocent_Guy wrote: »

Well I have Barclaycard @ 2k - Flybe @ 5k - Slivercard @ 1k.

I am happy with those limits so will be closing most of my other accounts.

EDIT: Reference green zeros they can have a negative effect when you have too many active accounts. This is why I have closed soo many accounts recently.

Oh really, didn't know that about too many active accounts!

What you keeping and what's going then?

sutton111

Innocent_Guy wrote: »

EDIT: Reference green zeros they can have a negative effect when you have too many active accounts. This is why I have closed soo many accounts recently.

Why is that?

Its-A-New-Age-Thing

sutton111 wrote: »

Why is that?

sutton its a score fail SOMETIMES due to them thinking ure OVERCOMMITED

:beer:

sutton111

Its-A-New-Age-Thing wrote: »

sutton its a score fail SOMETIMES due to them thinking ure OVERCOMMITED

:beer:

Cheers, i think i'll close some not used bank accounts.

Innocent_Guy

sutton111 wrote: »

Oh really, didn't know that about too many active accounts!

What you keeping and what's going then?

This is why I have closed approx 6-8 accounts this year. I am still to close
* Lloyds Current Account
* 2 Santander Current Accounts
* 2 Shop Direct Catalogues

I am waiting for Aqua & Capital one to be marked as Settled.

Innocent_Guy

sutton111 wrote: »

Why is that?

Being overcommitted and access to too much available credit.