The Sub Prime Credit Thread - Part V

onefortheroad_2

edinburgher wrote: »

Anyone on who has had a CapOne card for a while? My credit limit was raised last month (4/5 months in) - is the 4-5 month raise/possibility of a raise something that is repeated, or is it typically a one-off?

just a one off you may get one in a few years times

stuartmck

izools wrote: »

Can you do us a print screen?

That's :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

You could max it and return it all when it arrives

That'll demonstrate ability to spend and repay in a way I've never known of before!

There you go.

izools

Brilliant

edinburgher

'That means you can now purchase the product you really want'.

I know she's not a product, but is Scarlett Johanssen for sale?

stuartmck

edinburgher wrote: »

'That means you can now purchase the product you really want'.

I know she's not a product, but is Scarlett Johanssen for sale?

For that price - probably

onefortheroad_2

stuartmck wrote: »

There you go.

have you log in to your online acc yet

stuartmck

onefortheroad wrote: »

have you log in to your online acc yet

Yes - less impressive - just shows my normal £1600 limit.

Zack1

izools wrote: »

Can you do us a print screen?

That's :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

You could max it and return it all when it arrives

That'll demonstrate ability to spend and repay in a way I've never known of before!

:rotfl:

Phone up and say you like your new credit limit but you think it is slightly too high and you would like £50 knocked off and see what they say :rotfl:

edinburgher wrote: »

Anyone on who has had a CapOne card for a while? My credit limit was raised last month (4/5 months in) - is the 4-5 month raise/possibility of a raise something that is repeated, or is it typically a one-off?

I'm on Cap1, just had Statement 10 and no 2nd increase still. The increase after 4 months is standard. Based on past experience people could be on that for several years and never get another increase, however there was talk of them now randomly upping people's limits so you never know. I'm on one of these cards where the rate decreases (no idea what it's called). I have had one after 6 months, I'm due another one in October I believe.... I'm hoping the rate decrease will trigger a review and possible limit change, otherwise it could be time to wave goodbye to Capital One....

paulq

Thanx to the guys on this forum, i have finally moved into the "Prime" market as i have just been accepted for a MBNA Platinum.

I went from Aqua, Captial One, Silver, MBNA took about 3 years. and i have a completley clean credit file now.

Just wanted to say a big thankyou to all the knowledgable people on here :T

chexum

stuartmck wrote: »

Just received an email from Very saying I've got £751786058 available to spend!

:eek:

It's a good thing it doesn't show that way in your account, otherwise after being reported to CRAs... You wouldn't be getting any more new credit because of available credit