What's your Lloyds internal score?

Richiebow1

iAMaLONDONER wrote: »

Depends on how much you wanted to borrow and your income!

£22,000 PA income and I only asked for £1,000 over 12 months.

Only credit I currently hold is car finance with Santander and an AMEX Gold Charge card.

BMN

Richiebow1 wrote: »

£1,000 over 12 months.

This is the reason.

The rates are only really reasonable if you want to borrow a larger amount.

Alarae

Mine is probably just STUDENT, lol. In all honesty I have no idea. My student OD is constantly near maxxed out as I have put it in a savings account to make interest while it is at 0%, then pay back when needs be.

I highly doubt Lloyd's would consider me an ideal customer. Their lovely sister company Halifax did give me a Clarity Credit card though, so can't complain. Lloyd's credit products aren't appealing to me in rewards purposes so I'm not OK fussed on the rubbish internal score I no doubt have there :rotfl:

iAMaLONDONER

Alarae wrote: »

Mine is probably just STUDENT, lol. In all honesty I have no idea. My student OD is constantly near maxxed out as I have put it in a savings account to make interest while it is at 0%, then pay back when needs be.

I highly doubt Lloyd's would consider me an ideal customer. Their lovely sister company Halifax did give me a Clarity Credit card though, so can't complain. Lloyd's credit products aren't appealing to me in rewards purposes so I'm not OK fussed on the rubbish internal score I no doubt have there :rotfl:

What limit did Halifax give you! I like the sound of Lloyds Platinum for the interest free period!

I stooze too with my student OD! Though into my new Vantage account so Lloyds will be able to tell I'm not broke just stoozing!

iAMaLONDONER

Richiebow1 wrote: »

£22,000 PA income and I only asked for £1,000 over 12 months.

Only credit I currently hold is car finance with Santander and an AMEX Gold Charge card.

Why don't you just get a 0% CC and save the cash you'd spend in your current account?

Alarae

iAMaLONDONER wrote: »

What limit did Halifax give you! I like the sound of Lloyds Platinum for the interest free period!

I stooze too with my student OD! Though into my new Vantage account so Lloyds will be able to tell I'm not broke just stoozing!

I didn't ask for a high limit so got £800. I only wanted around £400/500 so I could hit the £300 per month spend and get the £5 cash back reward.

I have a £3000 limit on my Amex Platinum Cashback Card, £1250 on the Lloyd's Student Card and £500 on a Capital One Classic Extra.

I don't even think there are any other rewards cards I want now, which isn't bad at 21 and not even out of University yet :T

iAMaLONDONER

Alarae wrote: »

I didn't ask for a high limit so got £800. I only wanted around £400/500 so I could hit the £300 per month spend and get the £5 cash back reward.

I have a £3000 limit on my Amex Platinum Cashback Card, £1250 on the Lloyd's Student Card and £500 on a Capital One Classic Extra.

I don't even think there are any other rewards cards I want now, which isn't bad at 21 and not even out of University yet :T

Wow you've done well! I have a Luma ,Capital Classic (sadly not extra but it's 0% till May) and 1.25k Lloyds student CC too!

How did you get an Amex with 3k whilst still at Uni?! I hear they have high credit score/income thresholds!

eastanglian1

a savings account to make interest while it is at 0%, then pay back when needs be.

I suppose that will buy you a paper at the end of the month.

iAMaLONDONER

eastanglian1 wrote: »

I suppose that will buy you a paper at the end of the month.

At Nationwide (FlexDirect) I get over £10 in interest which can buy several newspapers !

CRISPIANNE3

Richiebow1 wrote: »

£22,000 PA income and I only asked for £1,000 over 12 months.

Only credit I currently hold is car finance with Santander and an AMEX Gold Charge card.

Just out of curiosity and being a Lloyds customer I typed in £1000 into their calculator online and for over a 12 month period it came back at 17.8 percent. However for an amount of over £10k the system quoted me 5.4 percent.

The last time I enquired my IS was 1A.