Old pre BR credit card account, can I still use it?

dettelibre

[FONT=&quot]I have an old TSB platinum MasterCard credit card, with the grand credit limit of £20, with a nil balance

I logged online and to my surprise it was till showing, rang TSB and they confirmed its still active, I have asked them to send a new card out, I ask for a credit increase to £100, I was declined- what a surprise- NOT!

I am thinking of paying £10 petrol once every 1 or 2 months and clear off in full

it will show on the credit reference files as a live account and balance cleared off in full, i think it will be a benefit going forward post discharge

but the question is am I allowed to use this account without getting into trouble with the OR, I had approximate £5000 worth of TSB debt in the bankruptcy, but for some reason they have not closed this account down, and are happy for me to use it[/FONT]

debt_doctor

Hi,

If you are still un discharged then the only credit restriction upon you is that you must not obtain credit of more than £500 without disclosing your status.
Clearly it doesn't breach that rule so if the creditor is happy then I see no issue.

DD

dettelibre

debt_doctor wrote: »

Hi,

If you are still un discharged then the only credit restriction upon you is that you must not obtain credit of more than £500 without disclosing your status.
Clearly it doesn't breach that rule so if the creditor is happy then I see no issue.

DD

would it matter that this was a pre BR account?

debt_doctor

dettelibre wrote: »

would it matter that this was a pre BR account?

No, so long as the pre BR debt does not appear on the statement and that you are not paying towards the BR debt.

DD