It's little wonder so many people are in debt

chevalier

I did this too. they wanted me to phone them. As this would invalidate the cash back, I shall ignore them. And if they do send me a card it will go straight back!
chev

calleyw

what like me today booked an appointment to see my bank walked out 20 mins later with a credit card with a limit which I set of £650.
It is @ 0% for 12 months :T and my washing machine has just broken down so need a new one.

But the limit they where could offer me was in the region of £1.5K and I only have approx £300 going through thats bank current account every month as I have other accounts.

Yours


Calley

cat4772

This is quite bad - my husband is absolutely terrible with money (credit is money to be spent in his book rather than there for emergencies or stoozing!) He'd happily apply (leaving traces of the search on his credit file), be declined by two or three (each leaving traces of searches), then be successful with money-sharks ltd, get his £8.50, get a credit limit of £350 at 30% (but knowing him it would more likely be at 50% or 80% because interest rates mean nothing to him). Then he'd spend money on it, worry about paying for it when the bill came in, half heartedly hide all bills (until I do a really detailed cleanout), then apologise when I'd be asking what the heck he's gone and done.

Then he'd expect me to wave a wand and sort it out!!!!!

Since I took over all household money after Easter, I've made sure that the minimum payment plus a bit extra has been paid each month on his debts so that his credit files start to look tidier (I'm attacking one in earnest through snowballing)!

thanks for the warning - I'll put a block on quidco from his internet account for a few weeks (the joy of being adminisrator on family computer) (evil laugh in background)

Cat.x

ZTD

Cazzdevil wrote: »

Idiots. It's little wonder the country is in so much debt. I can tell you, the card is going straight in the freezer when I get it - for DIRE emergencies only.

Are you sure it will be only DIRE emergencies?

Cazzdevil wrote: »

and you never know - having the card might even go some way to repairing my history or at least putting some good numbers on it!

Because you certainly seem to be softening already.

Cazzdevil

ZTD - it will definitely only be for dire emergencies (needing a new pair of shoes isn't a dire emergency!). I don't have any intention of using it. I've been in the position before where I had a zero balance on a card which I planned to keep for emergencies but a trip to Ikea for some new CD shelves somehow became the emergency...

It's an awful state of affairs to be in and thankfully I'm now in the frame of mind where if I don't have the money straight to hand or saved up then I can't get something. I'm anticipating my car giving up the ghost within the next year so I've already started saving for it because I refuse to take out a loan for it.

I'm fairly well behaved now