The Sub Prime Credit Thread - Part IV

kerryberryboo

Its-A-New-Age-Thing wrote: »

i know think its my current searches to be honest though ive had a total of 4 remortgage uotes done this month aswell so its not helped ANYWAYS im givin up to november and jumpin off the search wagon been a productive month anyway got a nationwide account with cheque book overdraft and debit card a sygma silver with 1k limit a aqua with £600 and a cap1 progression with £300 and an 02 so suppose i should be happy at that

:beer:

Yes you should be happy - I managed to bag an Aqua card that hasn't even turned up so your month has been extremely productive in comparison! :rotfl::rotfl:
My aqua limit is £250, hopefully with good conduct it will increase over time.:cool:

BugsyBrowne

Noah think you might be right mate AMEX proberly is a status thing,and to be honest the apr is high on them anyhow.
MBNA would be nice or a nice barclaycard..

ElkyElky

noah271007 wrote: »

Your internal BS with HSBC will be affected no doubt about it. I think first time offence will not be charged (so as long it is corrected quickly) with new accounts so next time you won't be as lucky. How long were you overdrawn for?

Just today and it was a standing order. My pay is late in being paid to me so I had to take some money from the savings to clear it.

noah271007

ElkyElky wrote: »

Just today and it was a standing order. My pay is late in being paid to me so I had to take some money from the savings to clear it.

So the standing order did not reverse today on your account? You should count yourself lucky...

never-in-doubt

ElkyElky wrote: »

Ugh. I went overdrawn by £18 on my HSBC account but they haven't put on any charges. Quickly cleared so I hope it won't affect anything.

If you credit the account the same banking day as any debit, no charges will be applied. Also, when they do make charges - its not instant, it has a red banner at the top of the mini view screen saying charges and/or interest is due to be deducted.....

But can take a week or so to come through.... see what happens, you should be ok mate. I wrote a cheque for over £3k and forgot to move money from A/C1 to A/C2 and they paid it making me £3k o/d but they rung and told me this, also asked if i'd like them to move the money over from the other account - it was really easy and no charges.

BugsyBrowne

arghh NID my friend what are your views on AMEX..

Its-A-New-Age-Thing

NID tescos knocked me back an its YOUR fault you gave me to much hope.....

:rotfl::rotfl::rotfl:

doelani

star-fire wrote: »

Noah think you might be right mate AMEX proberly is a status thing,and to be honest the apr is high on them anyhow.
MBNA would be nice or a nice barclaycard..

What does it matter what type of card as long as it is the lowest interest rate YOU can get??? I have never understood the whole " status" thing with cards.

In the " old days before our IVA " we had normal cards, gold cards and Platinum cards. The gold and platinum where due to hubbys income not because we wanted them. Does it matter? NO you can still get into debt and into trouble no matter what sort of card lol

If you go into a shop to buy somehting do you really think the sales assisitant cares if you have a Vanquis, Aqua or a MBNA card? No, I worked in retail for many years and someone with a " nicer " card would not be treated any differenty. Especially not with chip and pin when most of the time you put the card into the machine yourself and remove it again the sales assistant do not even look at the card.

Sorry for the rant , yes I had vanquis and aqua to start me again , I got mainstream again because lower interest not because I was ashamed to had a certain typoe of card over.

noah271007

star-fire wrote: »

Noah think you might be right mate AMEX proberly is a status thing,and to be honest the apr is high on them anyhow.
MBNA would be nice or a nice barclaycard..

I got Tesco CC for 4K limit and that is more than enough for me. But now i got Flybe for 1k, that will be my backup credit card.

I am closing Nationwide Classic credit card as i had them for nearly 6 years and noticed the APR have creeped up over the years....I did call to ask if they reconsider reducing the APR but they said no even though i have no missed payments on the account. Their loss.

BugsyBrowne

Noah if you have the nationwide classic card cant you apply for there gold card aint that meant to be a very good card..