Credit Crunch Credit Card Declines?

Tori_Bellatrix

PROLIANT wrote: »

Well I have just checked all three of my credit files and they only search Call Credit! My credit rating with them is perfecto, so I must have got accepted. APR 29.9% , not too bad.

That's lower then Capital One isn't it ...

clio

Oi Oi marra how ya diddling up there in san paulo aka G/Heeeedddd

PROLIANT

clio wrote: »

Oi Oi marra how ya diddling up there in san paulo aka G/Heeeedddd

Alreet wor kid, got me self approved for a new Visa, cant believe it, APR is less than my Cap 1 card, the application was approved within about a minute, so the plan is till April 2009 to build up the best possible credit rating that I can then go for MBNA or something, anyway howz life doon the road marra?

PROLIANT

Tori_Bellatrix wrote: »

That's lower then Capital One isn't it ...

Yes, but Cap 1 reduced my rate from 34.9% down to 30.00%.

Tori_Bellatrix

PROLIANT wrote: »

Yes, but Cap 1 reduced my rate from 34.9% down to 30.00%.

Not much in it then ....

ICan'tStandIt

msaquib wrote: »

Monument are Barclaycard, is it?

The address showing up on monument website is:-
Monument Card Services, PO Box 6476, Northampton NN4 1ZN

But when you search the post code on Royal mail website, it comes up as Barclaycard.
There's not evena phone number to contact them

M

Monument used to be owned by Barclays and prior to that they were Providian.

They're high interest cards for people with bad / low credit scores.

Best avoided.

PROLIANT

ICan'tStandIt wrote: »

Monument used to be owned by Barclays and prior to that they were Providian.

They're high interest cards for people with bad / low credit scores.

Best avoided.

Till next year maybe, but the likes of me have low credit score so take what we can scrounge.

ICan'tStandIt

PROLIANT wrote: »

Well I have just checked all three of my credit files and they only search Call Credit! My credit rating with them is perfecto, so I must have got accepted. APR 29.9% , not too bad.

APR 29.9% not too bad ???? Are you kidding ????

If you really need this card, don't put anything on it that you can't pay off in full each month.

I think you need to work out how much this card could end up costing you.

PROLIANT

ICan'tStandIt wrote: »

APR 29.9% not too bad ???? Are you kidding ????

If you really need this card, don't put anything on it that you can't pay off in full each month.

I think you need to work out how much this card could end up costing you.

Oh yes I know but I pay Cap 1 in full every month so I will do the same with this as well, you see at the end of April 2009 I will have strings of [0]'s accross my Credit files so then I can go for MBNA etc, anyway MBNA/Virgin etc are charging more than Cap 1 at the moment, some have been stuck up to 34%!

ICan'tStandIt

PROLIANT wrote: »

Oh yes I know but I pay Cap 1 in full every month so I will do the same with this as well, you see at the end of April 2009 I will have strings of [0]'s accross my Credit files so then I can go for MBNA etc, anyway MBNA/Virgin etc are charging more than Cap 1 at the moment, some have been stuck up to 34%!

Ok, I'm sure you know what you're doing.

Just don't use it for cash as that rate will be even higher than the purchase rate, plus any cash taken out sits at the bottom of your balance until you pay off everything.