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Shakin_Steve

He's playing you all like a fiddle. Again.

MalMonroe

Dandytf said:

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

And maybe you misunderstood what I said. 

Because, whether or not your post changed from 13 December at 7.12PM (how could it change to an earlier time though?), you did not ask for any help. And when people popped up to offer the help you had not requested, in a roundabout way you told them you didn't want help because you are able to manage nicely without, thank you. You simply came here to advise of an increase in credit. As I said, you did not ask for help. You did not and do not want help.

I also said the thread was turning into one big wind up. I didn't say you were turning it that way but I'm not the only one who thought that. 

thanks

msallen

I don't think anyone (except the odd newbie) tries to "help" dandy any more. We just read his threads for the comedy value.

Dandytf

LaHostessAvecLaMostess said:

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.

It was one line comment, to dispel mser's from their interest in my then gained credit total's

p.s. I could use forum search as others can, though rather not as believe me  I know I had posted amount previously.

Dandytf

Deleted_User said:

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

I'll be working whilst clearing Windows finance, hopefully over 3-4 years from 7 or more years agreement,
'Most people working hard', not in my experience!
I have oled which is 4k t.v. -I had since referred to potential 4k Dell Monitor purchase.
Using help2save to repay t.v. -very mse don't you agree?
Using balance transfer card to reduce or avoid interest- as mse suggests.
2015 EV purchase -mileage irrelevant whilst w.f.h.
replaces SH65 2015 plate -not 63 plate.
Door finance 2k via Admiral -800 deposit paid from savings, no Alarms just one accepted application.

Utilisation, 100% works for me, one or two mser's seem somewhat obsessed with my Credit totals.
I'm concentrating on using less utilisation than previous years, which keeps interest down  etc.

thanks