I am in shock

BugsyBrowne

sorry dont believe it £18000 credit limit

CannyJock

star-fire wrote: »

sorry dont believe it £18000 credit limit

It's a seriously high limit, but note that OP doesn't say it's the first card he's ever had, so not enough detail on his credit history to say it's impossible.

aahuggett

lol wish i had that luck

chris_wales

If you want to use it to pay off your loan its easy with nat west, within a few months they will start sending you balance transfer or credit card cheques, just write one of these to yourself or loan company for the amount and theyll pay it and add that to your credit card. theres a small one off fee i think, but sometimes you get 0% for so many months with these cheques. hope this helps

izools

star-fire wrote: »

sorry dont believe it £18000 credit limit

Did you not read that the OP is on a £65,000 salary? If he has an impeccable credit history, reasonable limits elsewhere with a low balance:limit ratio and low limit:income ratio, it's totally believable.

You or I wouldn't get that limit, but we aren't on £65 K salaries.

BugsyBrowne

thats what he tell you he could well be on £65000 but you dont know him from adam,i could of come on here when i joined and said i.m a lawyer on £100000,he should treat himself to a financial advisor who has knowledge not listening to us clowns who deep down dont really know !!!!!!.

izools

star-fire wrote: »

thats what he tell you he could well be on £65000 but you dont know him from adam,i could of come on here when i joined and said i.m a lawyer on £100000,he should treat himself to a financial advisor who has knowledge not listening to us clowns who deep down dont really know !!!!!!.

Yes but the bank will know whether or not to ask for proof of income when processing the application based on data collected by N Hunter.

Have a search for N Hunter to see how this works.

We don't know him from Adam, but the bank do.

Sounds perfectly fiesable, 18K limit on a 65K salary. Doesn't sound like a troll to me. TBH OP sounds like less of a troll than you and you know you aren't one, so let's not point the finger at others, OK?

grahdenn66

have a big question, we have been on a DMP with payplan for 18 months now and it is failing miserably added to the fact I have just lost my job, my house is in negative equity and is getting repossessed next month. While the lady at payplan was lovely she didn't seem to be able to offer any advice she told me to fight for the house even though the mortgage payments are far to high, she seemed to be more concerned with getting there partner company to offer us cheaper insurance when I have allready got the cheapest possible on everything! We are in a minus surplus at the moment with the mortgage but if we rented and didn't have any debts we would be able to survive, should we go bankrupt?

Daisy_Duck

grahdenn66 wrote: »

have a big question, we have been on a DMP with payplan for 18 months now and it is failing miserably added to the fact I have just lost my job, my house is in negative equity and is getting repossessed next month. While the lady at payplan was lovely she didn't seem to be able to offer any advice she told me to fight for the house even though the mortgage payments are far to high, she seemed to be more concerned with getting there partner company to offer us cheaper insurance when I have allready got the cheapest possible on everything! We are in a minus surplus at the moment with the mortgage but if we rented and didn't have any debts we would be able to survive, should we go bankrupt?

Hello

If you go over to the Debt Free Wannabe board and repost this as a new thread I am sure lots of the wonderful people there will advise you.

Good luck!

DD:)

CannyJock

star-fire wrote: »

thats what he tell you he could well be on £65000 but you dont know him from adam,i could of come on here when i joined and said i.m a lawyer on £100000,he should treat himself to a financial advisor who has knowledge not listening to us clowns who deep down dont really know !!!!!!.

Funny you should say that. The "old" investments that I took out myself are tanking the butt off the "new" investments that an IFA picked out for me a few years ago. Even allowing for the costs involved in establishing a product, still doesn't even come close.

What you will find is that most of the posters here have put their money where their mouth is, and definitely aren't being paid a commission to point you in one direction or another

In terms of knowledge of contributors to the forum, there's a wide spectrum from "totally clued up" to "total moron". Interesting that you put yourself at the lower end.