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tomxlisa

I totally agree with the people here and wasn't moaning was just asking if i should wait until all the searches are cleared or until there is a few left on, i have been good and not applied for anything for the last couple of months or so, i will wait until around feb time maybe and see about applying then and in the meantime keep paying all my credit accounts on time which can only be a good thing towards my credit reports, i am also listed on the electoral roll, have been for the last 3 months, i guess it is just a time of patients now then and keep paying everything on time.

20aday

tomxlisa wrote: »

I totally agree with the people here and wasn't moaning was just asking if i should wait until all the searches are cleared or until there is a few left on, i have been good and not applied for anything for the last couple of months or so, i will wait until around feb time maybe and see about applying then and in the meantime keep paying all my credit accounts on time which can only be a good thing towards my credit reports, i am also listed on the electoral roll, have been for the last 3 months, i guess it is just a time of patients now then and keep paying everything on time.

Time and patience is your friend.

In your OP you said you wanted a new credit card. Why is that (if you don't mind my asking)?

tomxlisa

Want a better credit card than the capital one card I've got as the limit can only go up to £1500 and the APR is rubbish.

mistakehappens

than_prutt wrote: »

How much annual fee are you paying a year?

Hello

I am not paying that much in terms of annual fees as i keep amex gold card for a year then close and apply again after -7-8 months, currently paying fee for amex platinum & lloyds reward, cancelled my santander 123 account and credit card and opened up a natwest reward account and credit card with £3 fee and no fee for credit card due to having an account with them. Most of the time i just use my cards to keep them active. Once i have been to a supermarket and bought 13 chewing gums packets for .35p each and asked to pay for them individually.The checkout girl gave me right evils

tomxlisa

mistakehappens wrote: »

Hello

I am not paying that much in terms of annual fees as i keep amex gold card for a year then close and apply again after -7-8 months, currently paying fee for amex platinum & lloyds reward, cancelled my santander 123 account and credit card and opened up a natwest reward account and credit card with £3 fee and no fee for credit card due to having an account with them. Most of the time i just use my cards to keep them active. Once i have been to a supermarket and bought 13 chewing gums packets for .35p each and asked to pay for them individually.The checkout girl gave me right evils

There is me who can't get 2 credit cards.

mistakehappens

tomxlisa wrote: »

There is me who can't get 2 credit cards.

Don't worry mate, As in 2007 i only had a capital one card with £250 and Barclay credit card with £200 limit and at that time i checked my credit report with experian and it displayed my score as 130 odd or soemthing as i had a default of £2000

So things will change, stay positive :beer:

tomxlisa

Yeah I know mate, it's just a waiting game, I know things will change so yeah it's just being very patient I guess.

mistakehappens

tomxlisa wrote: »

Yeah I know mate, it's just a waiting game, I know things will change so yeah it's just being very patient I guess.

Yeah mate, Things will change

in the mean time, i have read that you are signed up with experian and obviously paying them £14.99 a month, so i would suggest cancelling them and sign up with noddle and clearscore. As you will get the same information from them for free but obviously you will only get one report per month,

tomxlisa

Unfortunately the experian report isn't free at the moment you can only get equifax and call credit free, hopefully this will change soon but yeah I have cancelled it now as its a bit expensive.

[Deleted User]

tomxlisa wrote: »

Want a better credit card than the capital one card I've got as the limit can only go up to £1500 and the APR is rubbish.

Reading into that further...

If the APR is worrying you, that means you're not paying it off in full each month, so you're carrying a balance.
If the limit is worrying you, that means you're wanting to carry a balance of more than £1500 each month.

Maybe it's worth considering if you're living beyond your means?