how to improve credit rating

shivani21nov

I am asian and i have been living in a sharing accomodation for past 4 years i do not pay council tax. Now my problem is I have missed few of my payment on credit cards and i had an overdrawn account for 6 months when it was not my fault and when talked with the bank they have written of my overdrawn account.

Please suggest to improve my credit rating so that i can apply for new credit card.

Thanks

Fruit_and_Nut_Case

You say that you are "asian". Why do you think that has any bearing on your problem?

elfen

How is having late payments and an overdrawn bank account not your fault and what bearing does your race have on this issue? Like most of us at some point, you need to pay what you owe.

izools

shivani21nov wrote: »

Please suggest to improve my credit rating so that i can apply for new credit card.

Thanks

Repay your debt, and don't go over agreed limits / miss payments for 12 months +

Then you may be able to get a sub prime credit card. You need to know what is on your credit file.

Race is irrelevant.

Going overdrawn is your fault, either due to negligence re: checking your balance or ignorance re: not familiarising yourself with the terms of the account.

kymi

I'm confused (very easily done apparently)

But how is it not your fault that you've missed payments on your credit card and become overdrawn at the bank. Is this not your responsibility!!

Am also wondering why you mentioned you were Asian!!

shivani21nov wrote: »

I am asian and i have been living in a sharing accomodation for past 4 years i do not pay council tax. Now my problem is I have missed few of my payment on credit cards and i had an overdrawn account for 6 months when it was not my fault and when talked with the bank they have written of my overdrawn account.

Please suggest to improve my credit rating so that i can apply for new credit card.

Thanks

PNPSUKNET

troll lol day

CannyJock

If not a troll, I'd give OP benefit of the doubt that he's putting it upfront that English isn't his first language before I hammer him for bad grammar and inconsistent capitalisation of the singular I.

Although a story about getting an overdrawn account written off does smack of trollishness.

view

Sounds and feels troll to me. A few red rags in the paragraph - looking to make everyone rise up in disagreement...best left unanswered imho