my success with m & s credit card

anuksultra

I just had to come and post here after I use this website for so mucg advice . And I can't quite believe the outcome of my situation . I got made bankrupt 9 years ago and ever since having all my accounts taken off me etc I worked dam hard to get a bank account . It started as a basic one but now I have a nice account and nice over draft . I also over time got accepted for a Vanquis and capital one credit card . Yes horrific Apr but was determined to build my credit score up . So last week I had the following : capital one card 1250 limit , pretty much Maxed never miss a payment , Vanquis card of 2000 limit , balance of 1200 but payments on hold as my partner lost his job and we had to go on income support three months ago , littlewoods catelogue with balance of 900 verify limit 3000, and a next catelogue credit limit 1500,about Maxed also . I decided I needed pet insurance and came accross a good deal at marks and spencers . I've tried in the past to get a decent credit card but failed and blamed my bad credit score but on a whim decided to apply as I saw here the 15 month interest free. Well I just got the email to say I have been accepted !! I don't care if I only get 100 limit but the point is I finally have a decent card and can gwt rid of the horrible Apr ones . Patience and the right help from sites like this do actually work .

bengalknights

Congratulations

chanz4

Its good, but really you need to get these balances down and then cut the accounts or you may end up in the same situation.

anuksultra

Yes I understand what your saying . I'm lucky enough to be clearing capital one on Friday and cutting it up , next and Littlewoods I always clear before each Xmas , and its rrally only the Vanquis I have to hit hard . I'm determined as I always use m and s already for my kids school clothes to do as I normally do, save the cash use tge card and pay off the balance in full each month .