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Sub Prime Credit Card Club

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Comments

  • quick-smart
    quick-smart Posts: 60 Forumite
    Hi Dallas, nice to have you with us beerchug.gif

    Am I right in thinking you're talking about a store card? If so, have you checked the APR, they're usually similar to sub-prime cards, min 25%. If you're using it and paying it off in full each month and it comes with some kind of discount then it won't be a problem, but if not, and as your credit file is improved now, have you thought that you might be better just applying for a mainstream credit card instead, with a lower APR? confused-smiley-013.gif

    I think most store-cards are aimed at the sub-prime market, which is why they don't offer very high starting credit limits. I doubt you'd be able to open a store card with a limit of, say, £3000. So from their perspective, the 30% increase is quite reasonable.

    Maybe think about transferring the balance to a cheaper credit card, then closing the store card. This will appear favourably on your credit file, enabling you to get cheaper credit in the future sport-smiley-001.gif

    Shaz x
    "Oh Bother" said Pooh.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    hey guys i have just come home for the weekend and to my suprise there is a barclay card application address to me im not going to apply but this must be a good sign right this is my first one through the post for around 4 years
    you cant change yesterday
    but you can make tomorrow better
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
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    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    lol what the hell lol
    you cant change yesterday
    but you can make tomorrow better
  • clio
    clio Posts: 3,345 Forumite
    Alreet Darcy me auld wolves supporter where you been matey in jail lol??
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    nah im doing a seven week course away from home but come home for the weekends
    you cant change yesterday
    but you can make tomorrow better
  • clio
    clio Posts: 3,345 Forumite
    darcy
    whats the course in m8, out interesting like quantum pyshics ?? lol \0/
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    darcy
    whats the course in m8, out interesting like quantum pyshics ?? lol \0/
    Ah Quantum Physics, how to explain how an atomic object can be in same place twice at the same time!
    So when ye commin up the road, gan ower the toon for a good swill?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • dallas..
    dallas.. Posts: 13 Forumite
    quick-smart wrote: »
    Hi Dallas, nice to have you with us :beer:

    Am I right in thinking you're talking about a store card? If so, have you checked the APR, they're usually similar to sub-prime cards, min 25%. If you're using it and paying it off in full each month and it comes with some kind of discount then it won't be a problem, but if not, and as your credit file is improved now, have you thought that you might be better just applying for a mainstream credit card instead, with a lower APR? confused-smiley-013.gif

    I think most store-cards are aimed at the sub-prime market, which is why they don't offer very high starting credit limits. I doubt you'd be able to open a store card with a limit of, say, £3000. So from their perspective, the 30% increase is quite reasonable.

    Maybe think about transferring the balance to a cheaper credit card, then closing the store card. This will appear favourably on your credit file, enabling you to get cheaper credit in the future sport-smiley-001.gif

    Shaz x

    :beer:Hi Shaz, and thanks for your welcome and response.

    You are correct that my JJB MasterCard is around 25% APR..
    24.9 to be precise along with other points in your response.

    The card also comes with a Voucher Reward Scheme discount too (points for spending) And I do use the card a lot in JJB stores and elsewhere, albeit with it's low credit limit.

    I agreed to take out the card initially because it's APR was lower than my previous cards that I had at the time 27.9 & 34.9% respectively, which are now settled and closed.
    It also gave a promotional first 2 months at 17% on purchases, so seemed good at the time of signing up.

    I thought this was a mainstream credit card, but it sounds and seems that this may not be the case?

    Additionally, they also messed up my credit report with Equifax at the time of application. They made a total of 3 credit searches on my file...2 named under Sygma Bank and 1 under Creation Finance.

    I have decided today that I am going to pay off my last month's balance on this card and close it.

    At least I will still have one mainstream credit card!

    Cheers D :D
  • NickX
    NickX Posts: 3,046 Forumite
    dallas.. wrote: »
    It also gave a promotional first 2 months at 17% on purchases, so seemed good at the time of signing up.

    This promotion really isn't worth much.

    By timing purchases to be on or just after your Statement Date, you get nearly 2 months to pay for them anyway, even without a promotion.
This discussion has been closed.
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