Mainstream Credit Cards

UsetheFORCE

zingarina wrote: »

Close the Vanquis, lowest limit, highest APR and not the oldest account. I can't believe they are offering an 80% APR, sick bankers...

Use the other two responsibly for one year (low utilisation ratio and if possible pay in full each month), don't increase your limits, etc.

I found out tonight that I have been accepted for an Aqua card, not sure what the limit is but if it is 500+ then I will just leave a small recurring payment on it and not use it anymore...

iAMaLONDONER

UsetheFORCE wrote: »

https://www.privacyguard.co.uk has a 30 day FREE trial, £6.99 per month.

It uses Experian, you can get a new updated report daily and supplies the Experian Credit Score as well!!!


BTW, I am on my SECOND FREE 'TRIAL', PMSL!!!

Tbh the idea of spending ~84 quid a year still makes me reluctant to pay that instead of just looking at my beloved Noddle!

Plus I've heard so much on here about the contempt with which credit scores should be treated with!


And I have a 2nd free equifax trial now too lol!

UsetheFORCE

iAMaLONDONER wrote: »

Tbh the idea of spending ~84 quid a year still makes me reluctant to pay that instead of just looking at my beloved Noddle!

Plus I've heard so much on here about the contempt with which credit scores should be treated with!


And I have a 2nd free equifax trial now too lol!

I will just keep signing up for the 30 day trial and get my Experian data free.

iAMaLONDONER

Lazyloki wrote: »

Oh, I was talking about Experian. You could try phoning them and asking for the cheaper deal straight away but I think they restrict it to people 'downgrading' from the normal package.

Oh, well ~40 quid a year is still an annoying charge to pay for that (I'd feel the same about paying a monthly fee for a bank account )

I say nationalise the CRAs!