my success with m & s credit card

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 .

Comments

  • bengalknights
    bengalknights Posts: 5,021 Forumite
    Part of the Furniture 1,000 Posts
    Congratulations
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    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.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • anuksultra
    anuksultra Posts: 13 Forumite
    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 .
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