freemans catalogue credit limit increases?

Swhite1991_2

hello

ive recently got a freemans catologue to help build my credit rating will be paying it in full every month
needlest to say my credit report is awful and ive learned from past mistakes 3-4 years ago!
my current credit limit with freemans is £100
i just wanted to know what peoples experiences with this catologue in regards to credit limit increases?
how often and how much did they increase your limit by?
i only want the increases so it shows on my credit report that i am trusted with xxx amount of credit i wont be using it bar about 10%

anyone?

thebritishbloke

If you only opened the account recently, I doubt that they're going to up it.

To be honest, I'd close the account. Your signature says you've got a Littlewoods account too, I'd just go and get a sub-prime credit card and try to build your credit that way.

Swhite1991_2

the littlewoods account isnt mine its my partners but he let me get a laptop from there im paying it off monthly so it isnt in arrears i just count that as a debt because i owe the money to my partner

and ive had a vanquis card since january and it hasnt done much to my credit report

and i know they wont just up the limit straight away im only asking how many months till the may do if i pay in full every month just want to know other peoples experiences

nikki299

Hi, I have a terrible credit rating too (declared myself bankrupt a few years ago) and couldn't even get a catalogue account until the bankruptcy came off my credit file after 6 years.


I got a freemans account in December to get a winter coat, it cost me £90 and I paid off £30 right away and the other payments have been the mimimum in order to avoid paying interest. I have £12 left to pay.
I also started with £100 to spend and now have £400.
Hope that helps. xx

thebritishbloke

Swhite1991 wrote: »

the littlewoods account isnt mine its my partners but he let me get a laptop from there im paying it off monthly so it isnt in arrears i just count that as a debt because i owe the money to my partner

and ive had a vanquis card since january and it hasnt done much to my credit report

and i know they wont just up the limit straight away im only asking how many months till the may do if i pay in full every month just want to know other peoples experiences

Takes a lot more than 4 months of paying a credit card off to build up a credit report.

Once you've made a couple of purchases they may be willing to up the limit.

purple_purple

Freemans accepted me in august and I started off at 200, I haven't been paying in full but I've been paying around £60 a month and so far every month since I've had it its increased by £100! Pretty chuffed considering I've had a 24 studio account for 19 months and my limit is still 305! Also I have a vanquis card all paid up to date for the past 9 months and haven't seen an increase from my initial 100 limit!

Freeman's like to see you paying off and also purchasing seems to have worked for me so far its one of my highest limits!

Good luck