I think my Lloyds Credit card is still open?

Sncjw

Jlawson is this lloyds card a student one by any chance

Jlawson118

Sncjw wrote: »

Jlawson is this lloyds card a student one by any chance

It was just their standard, Lloyds Avios credit card. I've never owned any student accounts with Lloyds

darkidoe

PeacefulWaters wrote: »

What will you do with your life instead?

Best thing to do is to ignore the forum and hide thoughts of credit cards all together. Addiction is very real problem. Even the thought of 'I mustn't scratch the itch' will prompt the itch to fester.

Perhaps do a quick statutory £2 credit check before your next application..

Sncjw

Was going to say on the info onclairty card you can't have a second card with Halifax if you have lloyds

Sncjw

Sorry didn't finish post. If you have lloyds student you can't apply through second card feature.

As yours isn't are you applying for second card or as a first card

Jlawson118

Sncjw wrote: »

Sorry didn't finish post. If you have lloyds student you can't apply through second card feature.

As yours isn't are you applying for second card or as a first card

It'll be a second card. I did previously have the Lloyds Avios card as I mentioned, although the £24 yearly fee wasn't really worth it for me so I closed it down in September. It was then when I opened up a Barclaycard Reward card as well as First Direct invited me for their Gold Card and I took them up on the offer for their incentive of using it with Apple Pay, and now that I've used that, I don't really use the card.

So I do have two credit cards already, one that I just don't use, the other I use for most things and I pay off in full at the end of each week

20aday

Jlawson118 wrote: »

It'll be a second card. I did previously have the Lloyds Avios card as I mentioned, although the £24 yearly fee wasn't really worth it for me so I closed it down in September. It was then when I opened up a Barclaycard Reward card as well as First Direct invited me for their Gold Card and I took them up on the offer for their incentive of using it with Apple Pay, and now that I've used that, I don't really use the card.

So I do have two credit cards already, one that I just don't use, the other I use for most things and I pay off in full at the end of each week

If you wish to strengthen your credit history you should be settling your statement in full each time the bill's due-otherwise it'll look like you're not using your cards.

Jlawson118

20aday wrote: »

If you wish to strengthen your credit history you should be settling your statement in full each time the bill's due-otherwise it'll look like you're not using your cards.

I've been wondering that recently actually, I'm better off just paying it monthly then, thank you!

Mr_Goodkat

Jlawson118 wrote: »

I've been wondering that recently actually, I'm better off just paying it monthly then, thank you!

As long as your credit limit is decent enough to cover your spending without going over the limit then yes pay off the statement balance in full each month rather than weekly as this will build a stronger long term view of your use of credit by both the bank who have offered this facility and the others that can see the information on your credit reports.