When and where should I apply for a loan

Thrugelmir

lottie3000 wrote: »

It is amount of available credit, so this would be the unused l ok limits on my cards? Should I lower these l john limits or would that have an adverse effect

Sensible advice is to your set limits at what you use. Cancel or reduce the excess. Lenders will then look on more favourably.

For a car HP may be more suitable form of finance. As the car remains security for the debt.