Time to wait before reapplying?

JamesN

cool, thanks pwuk! I'll have a look into what they require and what they offer

Does anyone else have any ideas?

Ilovecubbage

Try Halifax or Airmiles duo one & do it on line. I have both Halifax carent and reward ccard + other lot of cards. I think they are brilliant. I love plastic especialy cashback,lol.
These days cc don`t ask for evidence in my experience and I don`t think they check your credit rating, but that`s just my thinking. I don`t work but I make up my earnings on aplication forms Just over £1000 a month and this seems to triger accept.
Now I am not giving you advise you should be telling prkies, haha, but that`s what I usually do as no income and it works for me . :-)
I do pay everyhing off though - my hubby works.
Remember just pay in full at the end of it and you should be fine. :-)

JamesN

yea paying it off isn't a problem. Ideally i'd like to be making cashback on my purchases so thats the kind of card i'm looking at!

Yeah I definitely won't be telling porkies lol. I imagine you may get people telling you off for that bit but each to their own.

Not keen on travelling so airmiles isn't of use to me but i'll check halifax out!

JamesN

right, i've been good today. I have gone to 2 banks and closed inactive accounts with them! The balances have always been clear but they have just been lying there. I read that it's bad for your credit to have loads of accounts open thus the reason for closing.

Does anyone have any idea how long they will take to show as settled on my report?

Also, my electoral roll information still hasn't updated!!! wish that'd hurry up, it was added like 6 weeks ago!

Saints2011

Ilovecubbage wrote: »

Try Halifax or Airmiles duo one & do it on line. I have both Halifax carent and reward ccard + other lot of cards. I think they are brilliant. I love plastic especialy cashback,lol.
These days cc don`t ask for evidence in my experience and I don`t think they check your credit rating, but that`s just my thinking. I don`t work but I make up my earnings on aplication forms Just over £1000 a month and this seems to triger accept.
Now I am not giving you advise you should be telling prkies, haha, but that`s what I usually do as no income and it works for me . :-)
I do pay everyhing off though - my hubby works.
Remember just pay in full at the end of it and you should be fine. :-)

So your commiting fraud?

NekoZombie

KirbyBirch wrote: »

So your commiting fraud?

I guess the poster thinks it's o.k. because she pays in full and because her hubby works. God forbid hubby looses his job! Then it'll be 'CC company never did any proper checks - I'm unemployed so I should never have got a card'!

JamesN

yea a bit naughty, can we not divert the thread though! if she gets caught its her own fault. It's me that needs the advice :P

JamesN

JamesN wrote: »

right, i've been good today. I have gone to 2 banks and closed inactive accounts with them! The balances have always been clear but they have just been lying there. I read that it's bad for your credit to have loads of accounts open thus the reason for closing.

Does anyone have any idea how long they will take to show as settled on my report?

Also, my electoral roll information still hasn't updated!!! wish that'd hurry up, it was added like 6 weeks ago!

anyone have any opinions on this?