Sub Prime Credit Card Club

londonuk2008

:beer: So what colour is your card?

pink_fairy_5

Sammy_Girl wrote: »

I got my MBNA baby today :j It's so beautiful lol!!!

Is it that sad that I couldn't wait until the site was up and running at 21:00 lol!!!

Anyone got there's yet? I had to go through the sales spiel again when I called to activate. They really don't like to take no for an answer!!

yay! cognrats! got my welcome letter today so hopiong the card isnt too far behind!

Sammy_Girl

Well it's a kinda platinum colour, though it ain't no Platinum card!!!!

It could be pink with yellow spots for all I care. Definitely looks more grown up than my Cap 1 card with a puppy on the front. Must have been drunk when I ticked that picture card lol

So do you have yours yet London?

kiora

Still waiting or my card, I also applied for a tesco card and they have asked for bank statements and pay slips, does that mean that they are willing to look at application, on a brighter note 2 defaults have disappeared from my credit file.

Sammy_Girl

pink_fairy wrote: »

yay! cognrats! got my welcome letter today so hopiong the card isnt too far behind!

Well done!! That's great news :j Saturday post is always so much better!! Although my Halifax statement came today as well

Although, I never got a welcome letter. I got my pin, followed by a welcome phone call and then my magic card.

pink_fairy_5

Sammy_Girl wrote: »

Well done!! That's great news :j Saturday post is always so much better!! Although my Halifax statement came today as well

Although, I never got a welcome letter. I got my pin, followed by a welcome phone call and then my magic card.

i dont remember if there was an option, but if there is i always tick 'no marketing' maybe thats it

magic card lol

so excited to get it esp considering im not planning on spending on it, well a little bit. you would think i was planning a shopping trip. will get it, admire . stroke it for a bit then put in purse!

pink_fairy_5

kiora wrote: »

Still waiting or my card, I also applied for a tesco card and they have asked for bank statements and pay slips, does that mean that they are willing to look at application, on a brighter note 2 defaults have disappeared from my credit file.

bank statements definately sounds like they are considering you.

defaults - well that sounds good, were they due to drop off then?

Sammy_Girl

pink_fairy wrote: »

so excited to get it esp considering im not planning on spending on it, well a little bit. you would think i was planning a shopping trip. will get it, admire . stroke it for a bit then put in purse!

Yep, that's me too. There must be a name for people like us

PROLIANT

pink_fairy wrote: »

i dont remember if there was an option, but if there is i always tick 'no marketing' maybe thats it

magic card lol

so excited to get it esp considering im not planning on spending on it, well a little bit. you would think i was planning a shopping trip. will get it, admire . stroke it for a bit then put in purse!

Will you stroke my credit card? :rotfl: :rotfl:

Sammy_Girl

Ok, I have a serious question please guys. Please advise.

I have an outstanding debt with a DCA that I want to settle. Outstanding balance is approx £3k. I need this settled on my credit reports before I remortgage next year.

I have a 1.9% APR on balance transfers and cash advances into my bank account until June 2009 on my new MBNA. The standard APR is 17.9%. The way I see it, I have 2 options to settle my DCA debt:

1) Call the DCA and pay £3k by credit card, and then pay 17.9% APR until I clear the debt on my cc

2) Make a cash advance from my MBNA card to my bank account, and then make a payment to the DCA with my debit card. This will incur a 1.9% APR on the £3k balance until June 2009 (by which I would have paid this off.

Am I right on this train of thought? If so, then option 2 is surely better. Please can someone advise before I possibly make a silly decision.

Many thanks