Sub Prime Credit Card Club

Sammy_Girl

Jaybee24uk wrote: »

Hello everyone, I'm slowly rebuilding my credit.

I have an Aqua card starting balance £1000. Sent me a letter 1st to call them before releasing a card.

Capital one, starting balance £200 (took a month to comes)

Had them for about 4 months now, but no credit increases.

Vanquis have not got back to me from 3 months ago!

Halifax have given me a £2000 overdraft, as my wages have been paid in for over a year.

Hi Jay and welcome to the board. If you've ran the Cap One card well and within the terms then they should be giving you an increase right about now. I found out about mine online, but they also send confirmation in the post.

I'm afraid I don't know about Aqua though

Jaybee24uk

I pay off the Capital 1 account every month as it's only £200, then get the monthly shopping on it

darcyvuqua

thriftymomma wrote: »

Hey Darcy, hope you don't mind me asking, what did they ask on the phone?

i dont mind if i can help i will yeah when they rang they just try to sell you ppi and the payment break scheme pile of rubbish really i decliened all of it but if your job is not secure right now i would take it!

darcyvuqua

who does the bank of yorkshire search cos theres no search showing!

Sammy_Girl

Darcy lol you're obsessed!!

darcyvuqua

not applied for anything for age apart from my barclay card!
i have only 4 searches on equifax

how are you anyway???

big_Daddy_Dave

skyrider007 wrote: »

You mean a refund? That's basically a "credit" transaction, so, yes it will pay off the balance you had prior to the refund.

nah not refund

basically money paid to a card, but its the same as i spent

it payin the balance, does that mean i've made the payment for the month?

or will i still need to make another payment?

Sammy_Girl

Darcy, how have you ended up with only 4 searches lol.

I'm good thanks. Passed the credit check for my remortgage with Abbey . Just hope the valuation comes out half decent

Can't believe it's Christmas already next week. I had a huge ruckus in work today as I refuse to work Xmas Day - I did it last year. Oh yeah, and I turn 30 next week :eek:

darcyvuqua

i wanna know whats going on with yorkshire bank

sutton111

Sammy_Girl wrote: »

Darcy, how have you ended up with only 4 searches lol.

I'm good thanks. Passed the credit check for my remortgage with Abbey . Just hope the valuation comes out half decent

Can't believe it's Christmas already next week. I had a huge ruckus in work today as I refuse to work Xmas Day - I did it last year. Oh yeah, and I turn 30 next week :eek:

Congrates Sammy, well done. What interest Rate in the end then?

When will the valuation be done before or after christmas?