Sub Prime Credit Card Club

memyselfandi1980

Thanks for the warm welcome every one. It'll be interesting to see how we all progress with our quest for the almighty green zeros and increased limits.

@tori I personally don't opt for repayment protection. If I was to lose my job I'd find another pretty fast because I've been on the Dole before.And believe me once was enough.

Lewis

skyrider007

Tori_Bellatrix wrote: »

Any news on your FD account yet Skyrider?

Thanks for asking : )

Nope, however I received a letter from HSBC saying they have increased my MasterCard credit limit to £3,000 :rotfl: I couldn't be happier. Did they know I'm trying to switch to FD or something? The new limit from HSBC is £500 higher than the limit quoted by FD!

I couldn't care less about FD now, I'll take their account if they give me but if they send me a rejection letter it'll go straight into the shredder

hv a fab evening tori!

Tori_Bellatrix

PROLIANT wrote: »

It is good that people can express what they are thinking on subjects via a forum like this where they may otherwise feel embarrassed talking about stuff like wanting a credit card to build up their credit, getting exited about a credit card arriving through the letter box, getting the bug for blanket-applying for credit products, feeling a sense of achievement about the green [0]'s building up on their credit file's etc etc, people are just people at the end of the day and it is human nature to long for things that we don’t have, the sense of achievement and responsibility that comes from having a credit card in your pocket, feeling "normal", credit cards are very useful financial tools for everybody, some people criticise them and say "you should save up for things and buy them" etc, well I strongly disagree with that mind set, you only get one shot at life and you don't know what is around the corner, so you could save up for a few years for something, then suddenly get killed or seriously injured and never get the chance to enjoy it, I know this may be an odd way of putting my point across but it was the best analogy that I could come up with at short notice. Credit is a useful tool for everybody and although it is a privilege and not a right, everybody deserves a chance to start again or just simply enter the world of finance, at the end of the day companies like Capital One, Vanquis, Monument and Aqua all provide a vital and unbiased service to help people get back to "normality", we can't criticise them really and even if you get knocked back a couple of times by the above mentioned, just hold out because they will help you, I have been rejected by all of the above mentioned credit cards and accepted by them too, so as a final thought keep the post's coming and a big thank you for everybody’s honesty and stories that have been posted so far. :beer:

Great Post ... I know exactly what you mean ... :T

darcyvuqua

PROLIANT wrote: »

It is good that people can express what they are thinking on subjects via a forum like this where they may otherwise feel embarrassed talking about stuff like wanting a credit card to build up their credit, getting exited about a credit card arriving through the letter box, getting the bug for blanket-applying for credit products, feeling a sense of achievement about the green [0]'s building up on their credit file's etc etc, people are just people at the end of the day and it is human nature to long for things that we don’t have, the sense of achievement and responsibility that comes from having a credit card in your pocket, feeling "normal", credit cards are very useful financial tools for everybody, some people criticise them and say "you should save up for things and buy them" etc, well I strongly disagree with that mind set, you only get one shot at life and you don't know what is around the corner, so you could save up for a few years for something, then suddenly get killed or seriously injured and never get the chance to enjoy it, I know this may be an odd way of putting my point across but it was the best analogy that I could come up with at short notice. Credit is a useful tool for everybody and although it is a privilege and not a right, everybody deserves a chance to start again or just simply enter the world of finance, at the end of the day companies like Capital One, Vanquis, Monument and Aqua all provide a vital and unbiased service to help people get back to "normality", we can't criticise them really and even if you get knocked back a couple of times by the above mentioned, just hold out because they will help you, I have been rejected by all of the above mentioned credit cards and accepted by them too, so as a final thought keep the post's coming and a big thank you for everybody’s honesty and stories that have been posted so far. :beer:

yes this is very true no offence but because i dont know you (but i do from mse) then there is no embarressment i feel totally fine discusing my issues with you guys! and on this board there are some awesome MSE'ers

Tori_Bellatrix

skyrider007 wrote: »

Thanks for asking : )

Nope, however I received a letter from HSBC saying they have increased my MasterCard credit limit to £3,000 :rotfl: I couldn't be happier. Did they know I'm trying to switch to FD or something?

I couldn't care less about FD now, I'll take their account if they give me but if they send me a rejection letter it'll go straight into the shredder

hv a fab evening tori!

Lol .... This evening will be spent watching Big Brother .... :shhh: and on here of course ....

PROLIANT

darcyvuqua wrote: »

yes this is very true no offence but because i dont know you (but i do from mse) then there is no embarressment i feel totally fine discusing my issues with you guys! and on this board there are some awesome MSE'ers

Well that is what it is all about, being honest with ourselves abut life’s issues, it will be interesting to see this thread in 12 months time, just to see how much progress we all have made.

darcyvuqua

Tori_Bellatrix wrote: »

Lol .... This evening will be spent watching Big Brother .... :shhh: and on here of course ....

NNNOOooooooooooooooooooooooooooo not big brother lol i would rather watch cricket lol

Tori_Bellatrix

PROLIANT wrote: »

Well that is what it is all about, being honest with ourselves abut life’s issues, it will be interesting to see this thread in 12 months time, just to see how much progress we all have made.

Yeah, definately ... we can have a 12 month check in on the anniversary of when the thread started ... Hopefully we'll have lots of green zero's ....

darcyvuqua

hey mr p you know what im trying for and if i dont get a sub-prime one next year im giving up lol only kidding i hope every one with sub-prime now are stoozing and the guys with debit cards have a bit of plastic with crazy apr's and LOADS OF GREEN 0's

PROLIANT

One thing I have noticed is that not once has there been any nasty post's on here; the usual "critics" have kept away for some reason.