Sub Prime Credit Card Club

clio

May get that 100 pounds and get the A&L Account and close down my halifax as it,s not reported to cra,s because it,s too old, what cra do they use in the search??

Bluerover

Sammy_Girl wrote: »

Hi Bluerover and welcome :hello:

Well done on moving up that ladder It is a waiting game, but there is light at the end of the tunnel. I owe a lot to this thread. I have been paying off my debts and trying to keep my file clean. I never even knew that sub prime cards existed, and if it wasn't for this thread, I wouldn't have even thought of applying for any credit until all defaults had "dropped off"!!

Because of this thread, I am now a proud owner of a Cap 1 (£1600), Vanquis (£250), MBNA (£3100) and as of tonight an A&L Premier account (with £100 cashback )

Stick with us and we'll all get there together

Thanks and I had never heard of sub prime before either.

See MBNA wanted to give me a higher limit but I said £1000 was fine thanks...
having no debt on them means I am just rebuilding nicely. In one way my defaults have made me think about what I spend and what I do with my money. Without them and this board in general I would have carried on willy nilly.... spending paying minimum, unaware of what goes in and out of my account rather than paying in full ever month well before the due date and knowing what and where I spent my money...and certain I have the means to pay or not spend. And checking my balance on my bank accounts once a week at least. And setting up a piggyback account(see even know the terminology now:rotfl: Yes I have street cred) to pay DD from and another for food and then another for general spending and now even have an ISA...................:A how reformed am I. Oh yes also requested understood my Credit report (not even aware they exsisted pre Oct 2007) now requested 4 since then all the £2 ones...and seeing a major leap forward as the 0's mount up and up.

cifpower

clio wrote: »

May get that 100 pounds and get the A&L Account and close down my halifax as it,s not reported to cra,s because it,s too old, what cra do they use in the search??

They search Experian

clio

cheers CIF matey, will think about the A&L account for the future, halifax
and nat west are both in my town and A&L are not, so that may put me off
or is it just an internet account !!

kiora

Evening all,
Well done Sammy on getting A/L account, first round of drinks are on you lol,
was thinking of applying for Flybe card.

fairmorn308

evening everyone

darcyvuqua

did you apply kiora???

PROLIANT

Hello and welcome to all the new members of the Sub prime Club, one good thing this thread is helping people and it is all thanks to you guy's out there for your input, keep up the good work and thanks on behalf of everyone! :beer:

darcyvuqua

mr p i need your help mate!!!

PROLIANT

Help? Ok I will try, whats the problem mate?