Sub Prime Credit Card Club

moneysavingallday

SRuben it might have made more sense to bring your Vanquis card back within its limit rather than paying the finance company the £100 today. Why not use your credit cards now responsibly so that you can rebuild your credit? If Capital One gave you a card with a £500 limit from the get-go that's really not bad. Your credit status can't be completely shot to pieces!

sruben

Thank you for your response. I think I just panicked as it said it was deliquent balance. I am going to aim to get vanquis back within its credit limit after Christmas. I have used the capital one card a couple of times but have transferred money from my normal account to the card to pay it back so it is now £500 again. 2009 will hopefully mean a better credit rating for me.

fairmorn308

evening all ppl

moneysavingallday

SRuben, is there no way you can get that Vanquis balance down within its limit ASAP? Before Christmas?

sruben

Possibly why is being over your limit bad for your credit rating.

sutton111

yes and you will incur charges as well.

sutton111

what a plank.:mad: :mad: :mad: :mad: :spam: :spam: :spam: :spam: :spam: Spam reported.

cas-dor

hi everybody long time no see.
i can see everybody doing good and am good. just been so busy with studies and kids.
anyway how am I doing?
now i have littlewoods direct credit lmt is £240
choice £100
kays £100
24studio 250 every time i pay they increase 50 credit is great
nbna 500
and now i have next directory CL is small but is a start £150. all my live i wanted next account and now i have i really want to keep it in good behaver. the first time i applyed i got decline now after 4mts i was accepted:T without them even send me anything i just called and they said you have acc. how odd they dont send confirmation about the acc you have.anyway can anyone help me how this acc works.

sutton111

Well done i wouldn't have anything if it wasn't for this forum. You will need to ring them and ask them to post it you out.

darcyvuqua

anyone heard of hfo?