Sub Prime Credit Card Club

darcyvuqua

hey guys i am now the proud owner of £100 premium bonds i hope to put £100 a month into them to save for a mortgage (max £30000) not that i will get that much but if i win anything it will be pumped straight back into it!!i have joined the sealed pot challange of 2009 on the savings board that will be toward my mortgage too i already have about £8500 but in this financial enviroment im going to hold out on the mortgage and at least it will give me another 12 months of green 0's too

Sammy_Girl

Hey Guys,

I hope that you al had a great Christmas. My family has finally gone lol, now I just need to tidy up the place!!! Back to work tomorrow boo

darcyvuqua

tomorrow man that sucks sammy im off till the 5th of jan i have spent most of today decluttering and man there was some clutter from crimbo!!

Sammy_Girl

Lucky you Darcy lol. Everyone seems to be on hol til 5 Jan. I've got New Years Day off, but that's it!

It's official - I'm now the wrong side of 29

louiser123

hello everyone!!!
hope you all had a good xmas.
whats the sealed pot challenge ?? sounds good!!

kiora

Hi Guys
Well had my days off and working today in my 2nd Job and back to full time job 2moz, ah the joys of working 6 days a week haha hope everyo a good crimbo, I cant even go out on new year as working the 2nd boo hoo

darcyvuqua

louiser123 wrote: »

hello everyone!!!
hope you all had a good xmas.
whats the sealed pot challenge ?? sounds good!!

http://forums.moneysavingexpert.com/showthread.html?t=1327603&page=62

PARIS_5000

I have a default that is due drop of my credit file in February 2009 and I have a vanquis,capital one and Aqua credit cards that are paid in full every month. I wonder how long I would have to wait to apply for overdraft and a normal credit card
Thanks

darcyvuqua

as long as you have run these accounts well and there is nothing bad other than the default on your file then i would apply once you know it is clear of your file!!

edinburgher

PARIS_5000 wrote: »

I have a default that is due drop of my credit file in February 2009 and I have a vanquis,capital one and Aqua credit cards that are paid in full every month. I was wondering how long I would have to wait to apply for overdraft and a normal credit card
Thanks

I'd give it a couple of months after the default is removed and then give it a shot. Please remember to request a copy of your credit report so that you can check that the default is definitely gone!

You may also wish to consider closing one or more of the other credit cards too, as lenders can be suspicious of people who have large amounts of available credit but don't use it..