Sub Prime Credit Card Club

louiser123

MSE_Andrea wrote: »

Hi everyone

I realise this was mentioned a couple of days ago now so the idea may well have been ditched anyway, but I'm afraid I'm going to have to be a party pooper and remind you that for your own safety and privacy we ask site users not to exchange personal details via MSE so the lottery syndicate idea is a no-no.

Sorry guys!

aww flip!!!:(

darcyvuqua

morning all

sutton111

darcyvuqua wrote: »

morning all

Hello everyone, That bloody bush at darcy's was uncomfortable last night. lol.:rotfl:

sutton111

purplepardalis wrote: »

Flybe card plopped on the mat this morning! I didn't chase them in the end and had almost forgotten about it.

They've given me an apr of 19.9% - that's not too bad at the moment is it?

And a credit limit of 7.5k

Yikes

Good job I'm 31 and not 21 - I was most irresponsible back then!

Well done!!!:T

darcyvuqua

lol well i rang skycard kicked off big time only to be told a outcome has not been made and if it was it is not allowed to be told to you over the phone well thats just great

darcyvuqua

when i did not understand credit ie last january i was applying non stop for stuff just got my report from credit expert and i found out by the end of the month i will be 26 searches lighter and 16 of which are unrecorded so 10 credit searches thats bad i hope it will increase my score as time goes by i am going to wait anoth 6 months before applying for anything now

alfred64

Probably nothing left that you haven't already applied for anyway, darcy.

darcyvuqua

yeah i know thing is i want a good file for a mortgage the end of 09 so got to watch my files no late payment unnessasary searches you know what i mean lower my balances that i owe

purplepardalis

sutton111 wrote: »

Well done!!!:T

Thanks!

My credit rating was rubbish after i left uni in 1999 as I ran up credit card debt using it to pay rent and living expenses. As I did not have the income to pay it off they cancelled the cards. In the end my mum bailed me out, paid them and then I paid her off gradually.

I never really bothered applying for credit after that apart from the occasional bank loan as I knew it would be refused and also I didn't have the spare cash to make payments.

Now I earn good money and have grown up and feel i can be sensible.

Although a little voice sometimes says *ooh, think of what you could buy*...

lol

I will be good though. Used some for Christmas and will book a holiday on one of them for my boyfriend's 40th bday.

That's ok isn't it?!!!

And some day to day spending that I will pay off in full at the end of each month.

Blimmin' hell! Don't these little bits of plastic make you feel guilty?!

darcyvuqua

yes they do i think everyone in this thread know what mistakes they have made and now when the second chance comes around its magical and they never want to lose it for a second time if that all makes sense