So how much money "could" you access?

Broken_hearted

If I count the loan Norton has pre approved us for:rotfl: too much
£22,000 loan (yeah right Norton)
£800 Littlewoods
£400 credit cards

*zippy*

I too was thinking about this the other day, at the moment credit available to DH and I ...

CC £7000
CC £7000
CC £9800
Overdraft approved £2600

=£26400

Edit I forgot about catologues my next limit is £3350 so new total is

=£29750 :eek:

We also have a loan that I was told could be topped up anytime I wanted, just call the nice friendly lady who is there to help me :rolleyes:

Callisto

£1400 overdraft, my bank raised this from £900, without actually asking me!
£7000 credit cards (currently have three cards, but about to balance transfer and close one of the cards)
£1000 catalogue

Nearly £10k credit available, eek! Better get on with clearing the £2.5k I already owe, and then cancelling all credit apart from one emergency card!

taxi73

I have £70000 available but am cancelling all cards ...I've just cancelled
HALIFAX....£4800
HALIFAX....£6350
HALIFAX...£1500
HALIFAX....£3000
MBNA...£5000
ASDA...£5000
£25650 CANCELLED

Good job i'm not stupid with credit
At the moment

I am using
MORGAN STANLEY....£5000 available but just use for purchases and paid off each month
Barclays £6500....0% bt only used £5000 off it
EGG CARD....£7500...0% bt only used £5000 off it

Then I've umpteen unused storecards and catalogues with large balances available...
WOW...never looked at it this way before

blackangeluk

What frightening amounts of credit available, and they wonder why it's so easy for people to get into debt :mad:

I had a look and right now I have available:-

Overdraft £3k
Next - £4,500
Littlewoods - £1,500
Natwest C/C - £3200
DH's Natwest C/C - £14,000 :eek:
DH's MBNA C/C - £3,500 (we did a 0% BT for £6.5k from another 4 debts and then they immediately increased it )

So, if I so wished, tomorrow I could swan off with £29,700.00 - more than my current debt

Wow!!!:eek:

*zippy*

Imagine the fun we could have between us if we lumped it all together

kathfisch

At the moment I have available:

£1500 0% overdraft on my graduate account
£900 on one credit card I use for cashback
£500 on another card I don't use and should close
£50 on another card I'm using for its 0%
£2000 on a Nationwide credit card... I applied for a current account and credit card because they don't charge fees overseas (am going abroad for 4 months) and they offered me an overdraft and put £2000 limit on the card :eek:

That's a total of £4950! And what was my salary when all the above was offered to me? £20k? £15k? No - £7,600 :eek: :eek: :eek: :eek: :eek: :rotfl:

As of this week I am not employed so I guess I couldn't get any more credit but I have no desire to use any of that available above!

Scary scary stuff!

james32_uk

6 pounds 10 shillings

azjh77

I went to the bank...we can actually access £0 ...oh dear. Hubby had to use the Boot sale float (£5 in change!) to put petrol in the car!

Never mind, paid on Tuesday! (and have to give most to the council tax people )

joannasmum

Hi
I dont normally post on this board but had to reply to this as me and my husband were talking about this last night as I got a letter from M&S yesterday
M&S card = £10,500 credit limit - £3500 outstanding so £7000
LloydsTSB platanuim = £12750
Egg card = £1000
That makes a grand total of £20750
Baring in mind that I work part time and earn £12000 a year that is a serious amount of credit. Both the M&S and LloydsTSB were applied for when earning that income and I could have more on the Egg I reduced the limit as I payed it off. I could go on a spending spree and nobody would care until I couldnt make the payment its madness.