Sub Prime Credit Card Club

darcyvuqua

hey fat bird are you reaaly fat or is it just a name?? not being rude but most girls i know would never say that they were actually fat!

random_fat_bird

As the sig-block says: fat, female and fabulous;)

I've always been big, and I don't see the point in beating about the bush. I'm not deluded, I'm fat;) I'm on a fair few fora and I've been using rfb as a moniker for many years now. I've got hockey shirts with it on the back, which has been known to make people stop and blink when I'm wandering about

darcyvuqua

i love you and your attitude i wish alot more women were like you xx

Sammy_Girl

Phew!!!!
I've just spent the last hour reading the thread from page 1 to 25. What a great thread. I am in the middle of paying off my debts and am starting to rebuild my credit rating. I received my Capital One card (one with a puppy on the front ) with a surprising £1000 limit. I do have some questions which I hope you may be able to answer:

1) What is a suitable number of credit accounts. At the moment, I have a Halifax Visa which I have had for absolute years (but still not paid off), a mortgage, mobile phone contract, Barclays bank account, and now my new Capital One.

2) What is an acceptable number of searches. In the past year I have had only 2 or 3

3) What other sub prime cards should I go for?

My Experian score is 631, and my goal for cleaning my credit file is to get a decent mortage. We took out our mortgage a year ago with a sub prime lender, and ideally want to start looking at more main stream when our fixed deal is up (May 2009)

I would very much appreciate some advice.

Cheers, Sammy x

clio

fat Bird is our HERO, fat Bird is our HEROOOOOOOOOOOO lol \0/

PROLIANT

Sammy_Girl wrote: »

Phew!!!!
I've just spent the last hour reading the thread from page 1 to 25. What a great thread. I am in the middle of paying off my debts and am starting to rebuild my credit rating. I received my Capital One card (one with a puppy on the front ) with a surprising £1000 limit. I do have some questions which I hope you may be able to answer:

1) What is a suitable number of credit accounts. At the moment, I have a Halifax Visa which I have had for absolute years (but still not paid off), a mortgage, mobile phone contract, Barclays bank account, and now my new Capital One.

2) What is an acceptable number of searches. In the past year I have had only 2 or 3

3) What other sub prime cards should I go for?

My Experian score is 631, and my goal for cleaning my credit file is to get a decent mortage. We took out our mortgage a year ago with a sub prime lender, and ideally want to start looking at more main stream when our fixed deal is up (May 2009)

I would very much appreciate some advice.

Cheers, Sammy x

Hello Sammy_Girl and welcome, there are 4 sub prime providers, Aqua (Bank of Scotland), Capital One, Monument and Vanquis, I have 3 of them but not the Aqua card (yet ), so well done on the Capital One card and keep checking out this thread cos it gets better every day!

Sammy_Girl

Thank you Proliant :beer:

I've just bitten the bullet and applied for a Vanquis card online. After filling out loads of info (including bank details ??) it said that they could not give me a decision and will respond in 10-14 days. I did think about applying for Aqua, but I already have a Halifax Visa, and was wondering if I'm allowed to apply for another card as they are the same HBoS group

Sammy

random_fat_bird

Nothing heroic about honesty:o

Anyhoos, I was a naughty girl earlier, I applied for finance for a new computer and was knocked back, woe:(

I think I'm going to take those shameful steps away from the apply buttons. How long shall I give it guys? Seasoned thoughts? Three months? Six? Thirty seconds?

PROLIANT

Sammy_Girl wrote: »

Thank you Proliant :beer:

I've just bitten the bullet and applied for a Vanquis card online. After filling out loads of info (including bank details ??) it said that they could not give me a decision and will respond in 10-14 days. I did think about applying for Aqua, but I already have a Halifax Visa, and was wondering if I'm allowed to apply for another card as they are the same HBoS group

Sammy

It is up to you but don't do to many app's cos it will hurt your credit score, have you tried MBNA?

PROLIANT

random_fat_bird wrote: »

Nothing heroic about honesty:o

Anyhoos, I was a naughty girl earlier, I applied for finance for a new computer and was knocked back, woe:(

I think I'm going to take those shameful steps away from the apply buttons. How long shall I give it guys? Seasoned thoughts? Three months? Six? Thirty seconds?

Have you tried littlewoods or kays for their 0% finance, they sell computers.