How Long Before.....?

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Sorry if this has been posted before !

I apply for a "mainstream " CC ?
Have a Cap! with a £1000 limit with all nice green 0`s on experian open 8 months and a Vanquis CC with a £250 limit again all green , 4 months old
Plus have a G.U.S a/c £750 and a JD Williams at £750
GUS balance is 0 , JDW is £89
Would you suggest letting them ride for a longer period ?
If yes , how long ?
If applying for Mainstream CC which would you reccomend to go for 1st ?
Many thanks !
A Bast**d I May Be ! I Was Born One !
Whats Your Excuse ?

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  • anna42hmr
    anna42hmr Posts: 2,845 Forumite
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    have you always had a clean credit history etc? are you on contract mobile etc as they also report to CRA's if so, why not try a main stream card now?

    The one thing i would check, is how many searches you have had on your report recently ie if the one is only 4 months old, did you appply for any others or any loans etc around that time that would show up as sometimes to many searches in a short period (ie 6 months-12 months) can be negative

    I am 28 and got my first card when i was 19, even when had no credit history, didnt bother for a non "mainstream" card.

    First one i applied for was with my own bank (lloyds) and got accepted no problems. That may be something you want to try, as long as you have a good history with your own bank, see what cards they offer and see which one you fit into the criterea for (ie some have minum incomes etc)
    MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Target: £1800, £750.09 overpaid as at April so YTD = £750.09 Total OP since mortgage started in 2015 = £34,142.27
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
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    EycplUK wrote: »
    Sorry if this has been posted before !

    I apply for a "mainstream " CC ?
    Have a Cap! with a £1000 limit with all nice green 0`s on experian open 8 months and a Vanquis CC with a £250 limit again all green , 4 months old
    Plus have a G.U.S a/c £750 and a JD Williams at £750
    GUS balance is 0 , JDW is £89
    Would you suggest letting them ride for a longer period ?
    If yes , how long ?
    If applying for Mainstream CC which would you reccomend to go for 1st ?
    Many thanks !

    Eycpluk if i was you mate apply for one of the sygma cards....
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