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Can you get a credit card if you still have old unpaid CCJ ?

EdwardB
EdwardB Posts: 462 Forumite
Eighth Anniversary 100 Posts Name Dropper
edited 8 February 2023 at 2:07PM in Credit cards
I want to get a credit card with a small limit for Section 75 purposes only.

I have one 11 year old debt that got a CCJ just before 6 year limitation, I have never acknowledge the debt and it pass 6 years this year or next year maybe.

Is there a Credit Card that might accept me?

Will it make the other company likely to start chasing again?

Is it possible for them to transfer the old debt in some way?

Please be nice to all MoneySavers. That’s the forum motto. Remember, the prime aim is to help provide info and resources. If you don’t like someone, their situation, their question or feel they’re intruding on ‘your board’ then please bite the bullet and think of the bigger issue. :cool::)

Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,946 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 8 February 2023 at 2:11PM
    Yes

    It could advise them of your address

    Creditors can sell on debts
  • EdwardB
    EdwardB Posts: 462 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    Thanks @MorningcoffeeIV pretty much what I thought.

    I vowed never to get credit again and I would pay off as soon as I made each purchase.

    I hardly every buy anything over £100 anyway but I like the idea of Section 75 protection.

    I can always get one of my kids to make the purchase on their credit card, just wanted to save them the hassle.
    Please be nice to all MoneySavers. That’s the forum motto. Remember, the prime aim is to help provide info and resources. If you don’t like someone, their situation, their question or feel they’re intruding on ‘your board’ then please bite the bullet and think of the bigger issue. :cool::)
  • CliveOfIndia
    CliveOfIndia Posts: 1,899 Forumite
    1,000 Posts First Anniversary Name Dropper
    EdwardB said:

    I can always get one of my kids to make the purchase on their credit card, just wanted to save them the hassle.

    If someone else uses their card to make a purchase on your behalf, then you won't be covered by S75 anyway.

  • GenieBoy
    GenieBoy Posts: 148 Forumite
    100 Posts Name Dropper
    I have 10 credit cards and 9 of them were applied for after I received a CCJ. 3 of them applied for before the CCJ was satisfied. CCJ doesn't drop off my file until next year. One of the cards is an AMEX. 
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