The Yes Card no credit check credit card

Tixy

If you aren't anticipating a change in circumstances so that you'll be able to increase payments then it may be worth talking to stepchange again, perhaps might be worth considering a DRO?

Roger_Moore_007

Tixy wrote: »

If you aren't anticipating a change in circumstances so that you'll be able to increase payments then it may be worth talking to stepchange again, perhaps might be worth considering a DRO?

I seem to remember looking into that at one time a couple of years ago and decided it wasn't suitable, I'll take another look. Our circumstances probably will change in the next few months as our four year old is due to start full-time school in September at which point my wife intends to get a full-time job which would allow us hopefully to pay off our debts fairly quickly.

Reformed_debtor

Roger_Moore_007 wrote: »

Hi there,
As someone currently in a debt management plan I can't get credit from conventional lenders, however I've built up a £1000 debt with Quick Quid. It will take me a few months to pay off the debt with the interest they charge so I'm wondering if the Yes Card credit card would be a good idea?


It claims to be a no credit check card with 100% acceptance and up to £2500 credit, the downside is the £30 application fee and the £15 month fee to use as well as a 15%APR rate. It would be slightly easier if I could transfer my debt to this card, but I don't know what the reputation of this company is?

Has anyone else had any dealings or information on this company?

Why not add the Quick Quid loan to your DMP. Then you have a fresh start!!

Oh and not to sound patronsing stop the gambling

Fruit_and_Nut_Case

Reformed_debtor wrote: »

Why not add the Quick Quid loan to your DMP. Then you have a fresh start!!

Oh and not to sound patronsing stop the gambling

You joined the Forum to respond to a thread from last June?

RichL74

I like the way in their dodgy photos on their website they never show you the front of the card how it will look (therefore it is not visa or mastercard) just some jumped up store card by the looks of it.

Avoid like the plague.

Fruit_and_Nut_Case

RichL74 wrote: »

I like the way in their dodgy photos on their website they never show you the front of the card how it will look (therefore it is not visa or mastercard) just some jumped up store card by the looks of it.

Avoid like the plague.

It seems to let you buy (overpriced) items from here.

Motleycrew

So a sandwich toaster at £34+ and a £14.95 per month maintenance charge :eek:seriously, you should not be in charge of your finances if you pay that

moohound

Roger_Moore_007 wrote: »

Unfortunately my DMP is already a very small payment each month (£30). The only reason I'm able to reduce the amount I borrow from Quick Quid is due to my wife being self-employed and earning a few hundred each month that is independent from my DMP.

I've got out of debt with payday loan companies in the past albeit from £600 in debt rather than £1000, so I'll just have to be careful for a few months with spending. The reason for the debt is a combination of gambling and exceptional things like car repairs, a couple of months with no gambling and hopefully no major outgoings should fix the problem.

A couple of month of no gambling will not help you in the long term, you need to pack it in altogether. 'Hoping' will not fix the problem either you need an emergency fund, one off expenses will come up, cars need repairs tyres etc, stuff you need breaks down from time to time, this needs taking control of now.

bsms1147

iPod touch 32GB 5th gen

Tesco price: £199
YesCard price: £458 + P&P (over 1 year)

Looks like a good deal to me.

RichL74

I went to wonga, lended £500 off them and ordered one.

Sign on on Monday, will be fine.