The Sub Prime Credit Thread - Part V

digitalphase

never-in-doubt wrote: »

And I reiterate again for you, YES they did search you, just that you never seen it! Jesus.

Ok, the bank use a live monthly insight feed from Experian which determines your internal behaviour score, ergo you WERE scored as I said you were. The way you came in saying "I wasn't" is wrong, so I corrected you - cos you WERE scored and searched, as explained - it is an integral part of their behaviour score process.

Stop taking things so personal, if you post incorrect things then expect to be corrected - no need to start acting all high and mighty, cos the end result remains - you were searched, just not the same as a direct search!

You're the one acting all high and mighty :rotfl:

The point is, no search appeared on my credit file - that's all that matters, and probably all that mattered to the OP. If they conduct their account well with Lloyds, they will usually give them an overdraft and treat them well with offers.
Whether they get it by feeds or whatever, it doesn't matter, and it doesn't affect us because we can't see the search, and neither can other companies.

ElkyElky

Oh my, the Spam button is amazing.

sutton111

Yet another credit limit increase from Littlewoods, it's now £4100.

Going to have to ring them up and stop it going up anymore, it's the second month it's risen!

Bosie

sutton111 wrote: »

Yet another credit limit increase from Littlewoods, it's now £4100.

Going to have to ring them up and stop it going up anymore, it's the second month it's risen!

They go mad with increases:eek:

Cash_Flow

sutton111 wrote: »

Yet another credit limit increase from Littlewoods, it's now £4100.

Going to have to ring them up and stop it going up anymore, it's the second month it's risen!

They must like you Sutton.

sutton111

Cash_Flow wrote: »

They must like you Sutton.

lol, I think you're right! I've never missed a payment with them in 2 years.

It's getting out of control now though really lol.

Cash_Flow

sutton111 wrote: »

lol, I think you're right! I've never missed a payment with them in 2 years.

It's getting out of control now though really lol.

Yeah £4100.00 is a lot for a catalogue.

My very is about £1550 now but I don't use it much so it has not increased much over time which is fine with me.

sutton111

Cash_Flow wrote: »

Yeah £4100.00 is a lot for a catalogue.

My very is about £1550 now but I don't use it much so it has not increased much over time which is fine with me.

It's way too much. It would be better if it was a Credit Card with an APR of 8.9% or something lol, but that's unlikely.

Cash_Flow

I am sending m HTC HD2 to mazuma tomorrow, they have offered £145.00 for my phone.

I purchased the Iphone 4 on wednesday, and I have to say it is the best phone I have ever owned.
The HD2 was a big let down for me.

ElkyElky

sutton111 wrote: »

Yet another credit limit increase from Littlewoods, it's now £4100.

Going to have to ring them up and stop it going up anymore, it's the second month it's risen!

Imagine what the minimum repayment would be if you spent all of that.

I wish my Next account would go as high. My next is £300, which I maxed out in one go; paid it off then maxed it out again. They have so much stuff I want. Why the hell is everyone else getting yo-yo creidt limits with Next and not me?