Sub Prime Credit Card Club

clio

well done louiser on getting your new card. did you ask about what the apr is!!

louiser123

yes its 16.9% !!!! thats an ordinary card to me im used to 39%.

big_Daddy_Dave

quick question.

i'm not really sub prime, im just new to the whole credit thing (turned 18 6 montha ago woo hoo) ive gt 2 ulster cards (£500 limit) n gt the £100 cheque thingie from MBNA n various catalogues with credit limits ranging from 150 to 500. (about 4)

what i want to now is do any of you have an overdraft with your bank?

and if so what's the overdraft limit you have

sutton111

whos your bank? do you have your wages paid in?

big_Daddy_Dave

nationwide, rbs, A&L and halifax

have wages paid in the rbs, ive only had it about a month and in that time ive had at last 2500 go through, i tried to apply for an overdraft of 300 but was declined

and306

I bank with hbos and started with £400 in january and i just happened to check my OD online in may and they had put it upto £1500 without me asking,i am hoping they put up again soon, lol!!!!

sutton111

did it say credit scoring? leave it 3 months and re apply. It will be the amount of time you have been with the bank and your age.

big_Daddy_Dave

yea due to credit scoring, even know ive never missed a payment or been over any limit on my credit accounts

sutton111

my brother banks with Natwest (rbs group) and he had hes account 1 month same amount as you and they declined him but 3 months later he got £100 OD do you have maestro or solo card?

Sammy_Girl

Happy Halloween

Just had my first trick or treater. I don't mind the little kiddies but it's the teens who just wear a mask that get on my nerves. Just been to walk my dog and this police car pulled over 4 lads cos they were wearing masks and scaring people - uh hello, it's Halloween lol. Mind you, I wouldn't go out any later than now anyways.

I'm more prepared this year. Got a load of sweets and lollies from Co-Op. Last year I didn't get any sweets in and ended up giving away all my crisps, choccie, cakes and Diet Coke lol. Had no junk food left!! Am holding onto it this year lol

Anyone up to anything spooky tonight :eek:

Ooh, I almost forgot.......IT'S FRIDAY!!!!!!!!!!!!!!