Sub Prime Credit Card Club

Woodyrocks

Cleared Vanquis June balance this morning and it feels good to have got it out of the way. I keep telling myself I don't need to spend £250 every month but I also want them (the powers that be) to see that I use all my limit and pay it off in full each month. Then hopefully they will offer me more credit and surely that can only mean that my credit rating is improving

thatboydean

louloupot wrote: »

thatboydean wrote: »

Hi all

I applied for capitalone last year this time and was accepted. £200 limit increased to £500 on 4th statement. My interest has dropped from 34% to 30.40%.


hi i just wondered if you have only had one limit increase with cap 1 as i am waiting for my second increase but its taking ages

thanks

Know 2nd increase from them yet been with them 12 months now

louloupot

thatboydean wrote: »

louloupot wrote: »

Know 2nd increase from them yet been with them 12 months now

dam looks like i have a while to wait lol

vicky_kidder

Hi.

I was just wondering if any can help me with any advice on what to do in my situation.

I'm 22 on a decent salary of £24,500. I'm hoping to buy a house next year and someone said geting some credit cards and paying them off in full each month will increase my chances of getting a mortgage.

I've never had any credit cards before, have no debt (apart from student loans) and as I've mentioned, have a steady income. I don't have any loans or regular monthly repayments (I own my car outrgiht). I also have a few thousand pound in savings already.

However, my bank (HSBC) have turned me down for 4 credit cards applications in past 6 months! I don't know why they keep refusing me and then emailing me saying 'why not try our HSBC credit card?' It's so frustrating!

Can anybody offer any advice as to a) why i keep getting refused and b) what i should do about it?

Thank you guys!:beer:

Tori_Bellatrix

Hi Vicky, I had replied to you on your other thread.

vicky_kidder

Cheers Tori!

craigp_2

hello all hope everyone is well

Got my aqua card through yesterday with a £600 limit on so heres hoping I can finally sort my self out, and I've got £500 worth of overtime in this month which will help the bills :money:

COOKIEWILLOW

craigp wrote: »

hello all hope everyone is well

Got my aqua card through yesterday with a £600 limit on so heres hoping I can finally sort my self out, and I've got £500 worth of overtime in this month which will help the bills :money:

:T well done craig, regarding the overtime bonus, treat yourself also, lifes too short

craigp_2

Thank you COOKIEWILLOW I would treat my self but I would only end up going the pub lol

COOKIEWILLOW

well whatever floats your boat, mines a g & t. my overtime is spoken for, school uniform for youngest going to comp:rolleyes: , always summit innit?