The Sub Prime Credit Thread - Part IV

izools

Air conditioning. That's being sat in a beer garden with a pint, right?

Parki_2

After reading through my bump for my Yorkshire Bank CC it says I am a profile rate cardholder. Does anyone have any idea what this means? Will I still recieve my 0% for 16 months?

fairmorn308

good evening guys

DizzleUK

*sigh* Statement 13 from Vanquis and still on £250! What do I have to do to get an increase out of them???? :mad:

fairmorn308

Vanquis are really annoying me, I closed my account and they are still reporting its open and sending me statements

I have spoke to them twice and wont close the account

seeya23

good evening to all

seeya23

DizzleUK wrote: »

*sigh* Statement 13 from Vanquis and still on £250! What do I have to do to get an increase out of them???? :mad:

ive only had one increase from £250 to £500 im on Statement 11

pjread

stupid question perhaps, but what does the limit on a vanquis card matter? surely any of us with one is just using it to buy a few things and pay off each month to get a few green marks - the green marks aren't any bigger for a bigger credit limit are they?

Dr_Cuckoo

you want green marks - I'll give you green marks dude

Zack1

pjread wrote: »

stupid question perhaps, but what does the limit on a vanquis card matter? surely any of us with one is just using it to buy a few things and pay off each month to get a few green marks - the green marks aren't any bigger for a bigger credit limit are they?

I see your point, but it's nice having a card and being able to spend freely on it. Obviously what you spend and how "freely" depends on your lifestyle and what you can afford etc - somebody like me spends a lot less than my friend who's in a full time job with 2 flash cars! He probably spends more in a month on petrol than I do on food!

Now I have Aqua (so £250 from them, £200 Cap1 and £350 Natpest) it's a lot better just being able to pay using the card without having to think whether I'm going to max it out etc - clearly I need to think whether I can afford it or not, but I don't need to be thinking so carefully about which card to use - the only thing that influences me now is the statement date (longer til I pay for it). I've actually nearly maxed out Aqua, but that's because I paid for me and my mates travel to & from the airport and she's giving me the money (so it was kind of a cash advance), that took nearly £100. I assumed that would make me hit the limit but I'm actually £50 under, with £150 on Natwest still and £100 on Cap1, so clearly for anything other than a major (several hundred pound) purchase I can just pick any. I'd rather have one card with a bigger limit tbh, but that's not going to happen