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Dandytf

Sncjw said:

You have also got finance on a dell. Monitor too.. 

I hope you mean in regards to next pay you pay off in full before the due date to avoid interest. 

Not yet, 4k monitor is to be 2022, quite possibly via Pay Pal credit.
Could by difficult to avoid interest, only as 4 months 0% means +100 per month re payments.

thanks

[Deleted User]

4 years at 10% interest on the windows?

Ouch

Dandytf

Deleted_User said:

4 years at 10% interest on the windows?

Ouch

Hope they happen, not sure what hfc does with such a delay, maybe they'll run a second credit check.

Your finance application has been approved. 26/04/21.

Though I since rec' windows 'survey' before new April installation notice. 

thanks 

LaHostessAvecLaMostess

Dandytf said:

HeinzVarieties said:

Why are you focusing on your utilisation, rather than how much you owe?

Or is it perhaps because how much you owe is scarily high?

Recently across various mse posts/reply's my 2021 credit card total limit's were posted.

No idea why you find it difficult to subtract my posted Panasonic oled and a few groceries from total credit card limits.

try referring to earlier reply when  I quoted help2save is to be used to clear oled

thanks

You can't expect people to really keep track of how much debt you're in now, especially given how often you take out new credit seemingly every other week and aren't particularly forthcoming on how much you owe on your cards.
 

But I bet it's several thousand if we include the credit you're intending on taking out., and all on a part time income? Ouch.

Dandytf

LaHostessAvecLaMostess said:

Dandytf said:

HeinzVarieties said:

Why are you focusing on your utilisation, rather than how much you owe?

Or is it perhaps because how much you owe is scarily high?

Recently across various mse posts/reply's my 2021 credit card total limit's were posted.

No idea why you find it difficult to subtract my posted Panasonic oled and a few groceries from total credit card limits.

try referring to earlier reply when  I quoted help2save is to be used to clear oled

thanks

You can't expect people to really keep track of how much debt you're in now

Yes I can. only when I'm questioned on what has been posted, numerous times.

Sncjw

We only ask because we think it's absolutely ludacris the amount of credit your applying for on. Part time income. 

MalMonroe

But really, you cannot help those who do not ask for help. 

After all, OP's first post was simply to advise an increase in credit limit. This thread is turning into one big wind-up. Or maybe it has already turned that way. 

Dandytf

MalMonroe said:

But really, you cannot help those who do not ask for help. 

After all, OP's first post was simply to advise an increase in credit limit. This thread is turning into one big wind-up. Or maybe it has already turned that way. 

Maybe my post changed from 13 December at 7:12PMs

thanks

[Deleted User]

I don't imagine it's a wind up, just someone incapable of restraint.

If you look at the various posts, it's clear the factors that led to the original debt management process are still all present and it's inevitable it will all end that way again as OP seems unwilling to accept help and advice from people on here, they are seemingly addicted to debt and spending on credit to get what they can't have as they can't afford it.

Example would be the windows on 4 year finance at 10% interest - most people would be working to get that cleared asap. Yet look at the other posts - buys a new OLED TV on finance, plans to use help2save scheme to pay it off, yet is already planning on buying a new 4k TV on credit, which he admits he may struggle to clear in time to avoid paying interest due to "only" getting 4 months interest free. Clearing debt then running up more spending to the extent of having to use a BT deal to keep on top of things is a massive red flag that there is problem. Yet has now taken out 4 year finance (8-10% APR) on a 2015 electric car with a battery that only does 80-90 instead of 150 new to replace a 63 plate car. Has tried to apply for credit at dfs for new furniture and was rejected by one lender (at least they rejected him, and dfs rejecting someone should be a huge flashing alarm that there is a problem) but got it via another finance company. Took out finance of 3k on a new door / frame. Add in the mortgage...

He's obsessed with utilisation as if that being low means debt isn't an issue - 21k or so of available credit on cards on a part time salary (card limits based on earnings being full, lenders not informed of this change?).

There is a depressing inevitability about how this ends, particularly given he won't post his total debt figures but I would imagine it's multiple times his income. I am actually surprised any of the recent finance went through - earning less than 10k a year, none of it is affordable

LaHostessAvecLaMostess

Dandytf said:

LaHostessAvecLaMostess said:

Dandytf said:

HeinzVarieties said:

Why are you focusing on your utilisation, rather than how much you owe?

Or is it perhaps because how much you owe is scarily high?

Recently across various mse posts/reply's my 2021 credit card total limit's were posted.

No idea why you find it difficult to subtract my posted Panasonic oled and a few groceries from total credit card limits.

try referring to earlier reply when  I quoted help2save is to be used to clear oled

thanks

You can't expect people to really keep track of how much debt you're in now

Yes I can. only when I'm questioned on what has been posted, numerous times.

I have no idea what this means but no, you can't expect people to keep tabs on the mind-blowing number of lines of credit you've opened in the past 10 (?) months.  Or how much you owe on each of those lines of credit.  I'd be surprised if even you can keep track of it all.