catalogues and credit reports

vintagegirl

I am cleaning up my credit report, and when a default falls off in december, it should more or less be clean.

I was wondering, with regards to available credit percentages, I have 4 catalogues that i opened some time ago, to aid my credit report and have now the following.

Very - £240 balance, limit £2400
LIttlewoods £24 balance limit £2300
K& co £0 balance limit £1100
Choice £0 balance limit £1400

What should i do with these? they are high limits, they put them up every time you order something. Like i have just ordered a £24 dvd set and they put an extra £500 on the Littlewoods one.

Any ideas?

[Deleted User]

Hello, you deserve a response!

I don't understand what your question is?

Your available credit has no impact on you, it's just what you use that does. Having too many credit accounts may be a negative.

If you don't need them and don't want them, tell them to reduce the limit to your requirements, I'd also suggest this is safer should anyone try to use your accounts, in theory you are covered anyway, but there are always those tricky situations.

HTH