Sub Prime Credit Card Club

londonuk2008

well got my Flybe card and transfered and closing Barclaycard/Vanquis/Capital one - just waiting for final statements to say they are clear. Get as much paid off the Flybe , whilst I have 6 months intrest free.

doelani

forgive me for asking this but not used to paying balances in full lol

Used card yesterday for £140. Statement date will be 2nd November due to be paid 20 November. We have money to pay it off on 28th should we wait until after the statement is created on 2nd to pay it or will it matter if paid before that date ?

Paid last one over telepehone and they tried to sell me insurance etc AGAIN so do not really wnat the hassle of doing that. Or is it Aqua that once debit card is registered you can do it over telepone without speaking to a real person

Think I will set it up for online payments through bank, how do other Aqua card custeromers pay ? any problems with any methods?

Sammy_Girl

doelani wrote: »

forgive me for asking this but not used to paying balances in full lol

Used card yesterday for £140. Statement date will be 2nd November due to be paid 20 November. We have money to pay it off on 28th should we wait until after the statement is created on 2nd to pay it or will it matter if paid before that date ?

Paid last one over telepehone and they tried to sell me insurance etc AGAIN so do not really wnat the hassle of doing that. Or is it Aqua that once debit card is registered you can do it over telepone without speaking to a real person

Think I will set it up for online payments through bank, how do other Aqua card custeromers pay ? any problems with any methods?

Hi Doelani

If you're planning on paying it off in full, then it doesn't really matter if you pay it on the 28th or the 2nd. Personally, I would wait until the statement came out, then you know exactly what the statement balance is and you can pay in one lot. But for peace of mind, you could pay it on the 28th - no difference really!!

I don't like phoning them up either, cos everytime you get the spiel about payment insurance, identity theft, card protection blah blah blah! Better to pay via internet banking - or I've set up a DD to pay off balance in full on my Cap 1 and Vanquis cos I don't trust myself not to pay it off in full lol

Lovely sunny day today - I'm off to a wedding fair this afternoon and then a carvery dinner mmmmmmmm

Sammy_Girl

PROLIANT wrote: »

Ola, I am pished, too much lacohol, how is edreobdy/

Lol Mr P, you didn't do any drunken applications did you???

twiglet333

londonuk2008 wrote: »

well got my Flybe card and transfered and closing Barclaycard/Vanquis/Capital one - just waiting for final statements to say they are clear. Get as much paid off the Flybe , whilst I have 6 months intrest free.

london, are you going to close those other credit cards now or keep them? Just im in the same boat as you and not sure which is best.

clio

storminbalder wrote: »

Don't agree with what?

Racism (on this thread) - It is my right to disagree with it. In fact it was not what the original post was about!

The other thread? - I do in fact agree with the original poster!

Wind your bloody winging pathetic neck in and behave yourself.
you're a right attention seeker now go and do one before i hit you with my fluffy pink slipper...

fairmorn308

afternoon guys whats happening?

not been on for a few days been busy etc and now on holiday but managed to find time to come on here hehe.

The other day i got acredit card thr the post from vanquis :d £250 credit limit but am doubtful if am going to use is as i dont need it as now i have flybe with £4k limit / cap one with £500 limit / MBNA with £500 limit and A&L with £500 OD

Not sure if i will activate it and use it a ee while what you guys think?

londonuk2008

twiglet333 wrote: »

london, are you going to close those other credit cards now or keep them? Just im in the same boat as you and not sure which is best.

Well this is what I am going to do -

Flybe - transfered all balances to it.
Capital one - close (small limit - no hoper!)
Barclaycard classic - close.
Vanquis - close.

Leaving...

Flybe - not too use as its 0% B/T.
JJB Card - small limit , use for day to day.

Then when the closed ones show as settled , apply for main bank (Natwest) or/and re-apply for a better Capital one . This is so I have two different cards from two different providers , in case problem with one of them. Also I reckon JJB will be phased out if/when the company goes into administration.

Am I doing the right thing?

londonuk2008

Also my finger got nervous last week and I applied for a 'My World' card with the same company that do Flybe. That was around 9 days ago , never heard anything , at the time got told ' we will write to you with our decsion' - must be going to get the decline letter!

Anyway , the card looks a useful one - use it to book concert and theatre tickets etc ! Mind you got tickets to see 'Jersey boys' in town last night for only £43 for the two of us - so can't see how we could have got cheaper!

P.S - Jersey boys is excellent if you like Frankie Vali!

clio

Hey soapy i want to go and see that, well my mum does for her birthday i said i,d take her. how much are the tickets normaly and where did you see it??