How Long Before.....?

EycplUK

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 !

anna42hmr

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)

BugsyBrowne

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....