Sub Prime Credit Card Club

cifpower

darcyvuqua wrote: »

facebook cif facebook you on it????

sutton has been in my bush the last few nights



and nothing rude ok

No I don't do Facebook or any of those social networking sites. I did wonder though when you talked about being in your bush

christhesparky_2

twirlie wrote: »

Just in case anyone is interested, I've applied and been approved for a £500 JJB Card and a My World one (Don't know the limit on that one yet) through Sigma bank. I also have a Flybe with a limit of £3,000. At this rate, all of my credit cards are going to be through them!!

I started my credit journey in March 2006. I have perfect payment history, but I'm considered sub prime because I only have two years worth of residential history as I lived in the US before that.

Since March 06 I've received in this order:

3 Mobile Contract for 18 months (Now finished, £75 deposit required)
£250 Capital One (Now £500 - They're refusing to increase it after almost 2 years of perfect payments!)
£250 Vanquis (Now £750... with hopefully another increase in the future)
£650 HFC Loan on a laptop (Settled within interest free period)
£2000 Barclaycard Initial (Now £1800... Highest it's been is £2100 - my credit limit has risen and fallen like the tides with no explanation available!)
£100 Littlewoods Catalogue (now Closed)
£150 Littlewoodsdirect Catalogue (now Closed)
Orange Contract - No deposit required
Next Catalogue - Started at £300, now £900. (I've never spent more than £50 on it!)
£600 HFC Finance (another laptop! Sold the first one)
£1000 Lloyds Credit Card (I bank with them!)
£3000 Flybe credit card.

And then this week...
£500 JJB Credit Card
£? MyWorld Credit Card.

I'm self employed and literally max out 2 or 3 credit cards to buy stock, which then pay them off entirely within a month or two... I know it isn't the 'ideal' way, but it works for me until I get a better option.

My APR's were in the 28-34% range (Vanquis, Capital One, Barclaycard) and now the newer cards are falling through my door with APR's around 19-24%. My credit score has gone from the low 600's to the 800's in 18 months!!

I'm thinking of cancelling a few cards - Vanquis, Capital One etc. (I have just under £10,000 in credit available to me now!! eek!) but don't know what's best... as it is I'm receiving a LOT of green dots each month. What do you guys suggest? Keep the more sub prime ones at £0 balances, or cancel completely?

If I cancel Capital One, is there a chance I could reapply for a high limit and better APR? I still can't get any of the mainstream lenders (virgin, MBNA, even GE Money etc) to touch me

How long did it take for your jjb card to turn up? what rate is it on?

thanks

chris

Cash_Flow

louiser123 wrote: »

has anybody tried typing smirnoff into thier mobile using predictive text??? omg do it i think we all ought to be worried!!!! lol

Smirnoff = Poisened :eek:

fairmorn308

I have a banging sore head now after finding out about cap 1. sooooooo !!!!ed off

darcyvuqua

i know its poo but at least you got your flybe before they did that fairmorn!

fairmorn308

thats true.

Sammy_Girl

Hi Fairmorn,

Sorry to hear your news. That sucks. I'm interested to hear what happened tho. I understand that you took C1 to court over a debt that consisted of just charges - and you were disputing these charges as unfair? What exactly did the judge say? What happens now? do you still have to pay the charges and they put a default on your record?

claire6hy

just applied for a littlewoods acount (to use the £30 off £600)
and got a 600 limit!!

darcyvuqua

woop woop i will have a pair of reebok classics please

claire6hy

got my bf a pair of henleys jeans for 39 insted of 69
woop! he will think i spent loads muhahaha!!