Is my credit score any good

allpine5346

Phil_rich wrote: »

Try virgin money, I just got one through with a £9k limit. very similar credit score of 897. 0% on purchases for 12 months also, so you can pay for your hols next year.

whats the actual name of the credit card as they do a few ?

allpine5346

krisdorey wrote: »

Then you can pay a small percentage on the card , the rest in cash and still be covered by S.75

no once they have the cash off me i would find it hard getting it back if need be , possession is nine tenths of the law etc .

giblet10

davethorp wrote: »

And right on queue its a shameless plug for my credit score generator

Linky

That's weird - I got a score of 691 first time and then 214 next time - does that mean I'll get the AMEX Platinum - I'm not on electoral roll (can't be bothered), have a few CCJ's from last month, but I know I'm a great credit risk, I just feel it in my blood..:cool:

DevCoder

allpine5346 wrote: »

no once they have the cash off me i would find it hard getting it back if need be , possession is nine tenths of the law etc .

You would be covered by S.75 for the full amount.

Is there more to this then you are telling us? As you seem keen to get into a world of debt for a holiday when you have credit available to you.

jumperjohn

allpine5346 wrote: »

i earn £3000 a month

You have your maths wrong. If your salary is £36k and assuming you don't pay into a pension you take home around £2200. This leaves you with £1800 a month after loan repayment not £2600. Also your 'disposable' income doesn't account for bills, rent, mortgage, insurance and I assume you eat.

I hazzard a guess that the best disposable you have is around £1000 a month.

davethorp

giblet10 wrote: »

That's weird - I got a score of 691 first time and then 214 next time - does that mean I'll get the AMEX Platinum - I'm not on electoral roll (can't be bothered), have a few CCJ's from last month, but I know I'm a great credit risk, I just feel it in my blood..:cool:

Ah welcome to the ever changing world that is credit score generation

Though you probably should have applied before your score dropped 477 points :money::beer:

Phil_rich

What is so hard to understand? Why would he be trying to fool people? Quite simply he want a CC with a high limit so he can pay in full for a £5k holiday, the only reason he is using the CC it to cover himself for any problems which may occur with the travel agents ect. if they were to go bust.

Seems like a sensible approach to spending a lot of ££ in a risky industry.

[Deleted User]

allpine5346 wrote: »

no once they have the cash off me i would find it hard getting it back if need be , possession is nine tenths of the law etc .

What on earth sort of bizarre rubbish is this?

This thread is taking some very strange turns, even for this board.

chesky369

If you pay your cards off in full every month, why don't you simply ask your current provider for an increase in your credit limit - I did that a few months back with absolutely no problem, took five minutes over the 'phone.

allpine5346

jumperjohn wrote: »

You have your maths wrong. If your salary is £36k and assuming you don't pay into a pension you take home around £2200. This leaves you with £1800 a month after loan repayment not £2600. Also your 'disposable' income doesn't account for bills, rent, mortgage, insurance and I assume you eat.

I hazzard a guess that the best disposable you have is around £1000 a month.

36,000 is my net income i dont have a mortgage house is paid for was left to me by my parents