The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

noah271007 wrote: »

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.

NOAH thanks for pointin out your tesco 4k limit cheered me right up......

OH did i tell you I got a NATIONWIDE FLEX account with an overdraft and chequebook cant remember

noah271007

doelani wrote: »

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 assisitant 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 llower interest not because I was ashamed to had a certain typoe of card over.

Very true.

ElkyElky

never-in-doubt wrote: »

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.

I just hope my behaviour score can be salvaged. :rotfl:

never-in-doubt

star-fire wrote: »

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

If your credit file has any blips avoid - they won't give you an account....

doelani

by the way Morning Everyone lol

Had a cr*p week, card needed a new part........washing machine broke down.......hubbys " thinkgy he used for internet instead of woreless" has broken so he keeps wanting to use mine lol So money money money

And to top it all we go on holidys in 3 weeks, he has lost a lot of weight and none of his " holiday clothes" fir any more so have to go clothes shopping at weekend. I jsut hope he has some overtime this week or may have to use the cards, I was naughty last week and spend on them and will have to carry over a balance to enxt month, I try and pay off each month.

noah271007

Its-A-New-Age-Thing wrote: »

NOAH thanks for pointin out your tesco 4k limit cheered me right up......

OH did i tell you I got a NATIONWIDE FLEX account with an overdraft and chequebook cant remember

Yes you did even though if my memory serves me right, you got a 5 year old default?? I am so jealous!! But hey you should be delighted as it is one of the best and hardest current accounts to get in the UK.

never-in-doubt

ElkyElky wrote: »

I just hope my behaviour score can be salvaged. :rotfl:

If it is in the same banking period then there will be no record of it, as explained above mate

never-in-doubt

Its-A-New-Age-Thing wrote: »

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

:rotfl::rotfl::rotfl:

Was it instant decline? Have you applied for any RBS cards in the last 3 months?

Its-A-New-Age-Thing

noah271007 wrote: »

Yes you did even though if my memory serves me right, you got a 5 year old default?? I am so jealous!! But hey you should be delighted as it is one of the best and hardest current accounts to get in the UK.

ITS all about BALANCE mate i cant get the tescos you cant get the flex.....

:rotfl::rotfl::rotfl:

BugsyBrowne

Can someone explain to me how nationwide is one of the hardest current accounts to have,surely if your credit report is good you can get any bank you want..