Sub Prime Credit Card Club

londonuk2008

Yeah money went in the next day - strange thing is I 'think' I could have got more?And as I said already - no credit searchs , as I checked.

Now exactly 12 months ago - I could'nt get anything mainstream (had cap one/vanquis/littlewoods/next) now in January A&L knocked me back for a loan , had a premier account . I applied in may for Natwest - they actualy refused me a credit card but 'matched' my OD with a&l . Funny thing is I had a Barclaycard from the 90's - and recently my limit and APR was going up and down more times than (well you get the message!).

Bottom line is now I am within my means - all my higher aprs gone . Keeping 'flybe' and 'cap one' to use day to day. Pay off regular etc . Plus we are going on holiday for new year so cards will be 'back up'.

londonuk2008

PROLIANT wrote: »

Hey, got my Tesco Club Card vouchers today, £4.50 to spend, so off I went to my local Tesco and 4 cans of Carlsberg Export, 1 Chicken Jalfrieze (with rice) and a bar of chocolate....£3.49, top bannana! :beer:

thats cheap! Wish we had a decent size Tesco - all metros round here.

clio

where you going London?? probably take the bus over to the east end eh lol.
day out with them cockerney barrow boys

fairmorn308

london

do you have any nasties etc? ause if thats the case am willing to make the move from A+L to natwest and then in a few months apply for a loan etc cause that would really help me out to consolidate my debt

londonuk2008

:j :j

clio wrote: »

where you going London?? probably take the bus over to the east end eh lol.
day out with them cockerney barrow boys

MMMM.. that's our works christmas do! Coming up to sunderland before christmas with 'Grand Central ' and then off too ' Benidorm ' for new years week....:j

londonuk2008

fairmorn308 wrote: »

london

do you have any nasties etc? ause if thats the case am willing to make the move from A+L to natwest and then in a few months apply for a loan etc cause that would really help me out to consolidate my debt

To be honest when I joined A&L couple of years ago - credit file was not too clever . But had full account but could'nt get anything else off them - then last year a overdraft - increased this year.

Anyway no problems on my files.

Moved to Natwest - swapped all over - and then this loan !!??!

All I want now is a 'servicecard250 -gold' .... I know thats sad!:rolleyes:

moneysavingallday

londonuk2008 wrote: »

Yeah money went in the next day - strange thing is I 'think' I could have got more?p'.

I think we all have some kind of ABL (the maximum amount available for us to borrow) at the bank. You might be able to ask what yours is. Mine at HSBC is around £14k. I don't know exactly how to get my hands on it that cash though I just happened to see this ABL on their screen the other day

londonuk2008

Mind you I was trying to look at the screen - but didnt have my glasses on . She only showed me the screen to prove I had been accepted.

fairmorn308

well just been on natwests website to have a look at there current accounts and i made a application and got accepted on return of paperwork they send out with a £500 OD

also clicked on the credit card bit aswell and said there able to offer me £400 credit limit but at the end they said they couldnt give me a answer

sutton111

londonuk2008 wrote: »

To be honest when I joined A&L couple of years ago - credit file was not too clever . But had full account but could'nt get anything else off them - then last year a overdraft - increased this year.

Anyway no problems on my files.

Moved to Natwest - swapped all over - and then this loan !!??!

All I want now is a 'servicecard250 -gold' .... I know thats sad!:rolleyes:

it's not sad, i want one.:o