Sub Prime Credit Card Club

Sammy_Girl

Hey Guys, How's everyone doing :j

Cifpower - Congrats on the Vanquis limit. There's hope for me yet. I've had my card since June I think and still no increase from £250

Mr P. - I know I've been neglecting this board Not intentional, but I don't seem to have had much time as I used to, and when I come on MSE lately I've been on the House Buying, Renting and Selling board too much. Slap on the wrists for me, so I promise to post on here each time I'm on MSE Plus we moved offices at work and I'm in an open plan office now :eek: So I can't spend as much time on the internet as I'd like lol

London, is your place of work on the North Circular???

Sephrania - congrats. To paraphrase Clio, onwards and upwards \o/

Quietgirl - congrats. For what it's worth, I got a Littlewoods catalogue in August and I still haven't bought anything but the've still been putting nice green zeros on my report

Sutton - you'll get that credit card one day soon lol. Just wait a while until the searches calm down

Moneysavingplumber - It takes a little time for creditors to mark the account as satisfied. They usually update once a month, so maybe wait a month or two then chase it up. In my experience, having a notice of correction on your file, can sometimes hinder instead of help, as you will not get an automatic decision as it has to be manually checked by a human being. Your choice though

K - Still got the hol blues???? I booked my honeymoon last week - soooo excited. It is exactly 9 months today that I get married Are you asking RBS to remove a default? What approach are you going to take? I really want to do this with Egg. I have 2 defaults, one 2005 and one 2007 both settled. I just want to ask them nicely to take them off lol, but I don't think they will. I got all excited the other day because on my equifax I had an alert saying that an Egg account had been deleted. But then they had created another one the same day Boo. Same info tho, so I don't see what the point is.


Crikey, X Factor's back on \o/. My money's on Rachel or Diana to go

sutton111

thats one major reply, i want Rachel to go or Ricky gervais:eek: i like that Irish land what every his name is;) . on the xfactor?

fairmorn308

well guys i think i will be cancelling my vanquis card as when i phoned up to activate my card they said my APR is 59.9% thats crazy but am using it until end of the month and then paying the balance off.

also need to start making a massive dent in my flybe card

Sammy_Girl

Hi Guys,

Sutton - of course I watched the X Factor ......but the best reality show starts tomorrow - I'm a Celebrity..............that's my favourite

Fairmorn, that is a crappy APR, but if you use it and pay it in full each month then it will be a nice row of green zeros My apr is 39.9, and that alone makes sure I clear it each month lol

sutton111

does it say what the APR is on the thing sent with the card my mum was told it was 59.9% but on the card attactment thing it said 46.9%.

doelani

I have just realised we MAY use aquacard abreoad ( going tomorrow morning) should we have rang them to tell them?

I know years ago would always have informed bank/credit cards they we would be using them abroad but totally forgot this time. Do you still need to do this?

sutton111

Sammy_Girl wrote: »

Hi Guys,

Sutton - of course I watched the X Factor ......but the best reality show starts tomorrow - I'm a Celebrity..............that's my favourite

Fairmorn, that is a crappy APR, but if you use it and pay it in full each month then it will be a nice row of green zeros My apr is 39.9, and that alone makes sure I clear it each month lol

Irish lad to win!!! Ricky Gervais to go pleaseeeeeeee:A

fairmorn308

thing is sammy i have loads of green accounts on my file and think i might have 2 many if u know what i mean.

PROLIANT

18 Accounts on my files, kays just upped my limit to £1k

moneysavingplumber

Sammy_Girl wrote: »

having a notice of correction on your file, can sometimes hinder instead of help, as you will not get an automatic decision as it has to be manually checked by a human being. Your choice though

Thanks Sammy_Girl. Yes well that's what I'm thinking, when I added it I wasn't expecting the credit score that it's showing me, I was expecting more like 50! Might have to remove it next week.

I've already written to prior creditors, I don't expect them to update my file without a shove from me.