Sub Prime Credit Card Club

Cash_Flow

darcyvuqua wrote: »

i have not even got a loan option in my lloyds internet banking bit



im just not worthy lol

Are you sure it's not hiding in the left hand coloum

claire6hy

my bank of scotland is a student account... can i get lloyds to change it to a student one too? or can you only have 1???

just because students dont get charged debit interest!

kpnut79

dolally wrote: »

Have you ever gone over your limit?

Nope

I think I used it for the first time last week for £11.79 in about 3 months.

claire6hy

darcyvuqua wrote: »

i have not even got a loan option in my lloyds internet banking bit



im just not worthy lol

lol ohh dear

Cash_Flow

claire6hy wrote: »

Loan amount
£ 6000


Amount you pay each month for the loan
£ 184.13


Number of monthly repayments (12 to 60 months)
months 36

APR
21.1%
TOTAL amount you pay each month
£
184.13

TOTAL amount payable
£
6,628.68

That apr% quotation can change on a monthly basis, all lloyds accounts are internal credit scored, this internal data base obtains and collates data on the 22nd of each month.

This internal credit score (1-10) Is an indication to how credit worthy they believe you are.

It is calculated against how much is coming in and how much is going out.

If you never come out of your overdraft (Me) then this will your score against you.

Basically the lower the score 1-10 the better your apr rate will be.

Ps don't forget that LLoyds have direct data feeds to experian and equifax so if you are late paying or apply for a new card, or you have gone over limit they know.

PPs last but not least one of the worst thing you can do with your account is
make a debit card transaction on a gambling site Betfair etc....... if you do say hello to Mr 10:rotfl:

Please excuse my grammar I need some lunch:T

claire6hy

cool, so frmo that apr, would you say my score is not bad? i used my overdraft the first 2 months, but not the last 2, and dont use it for betting

Cash_Flow

claire6hy wrote: »

Loan amount
£ 6000


Amount you pay each month for the loan
£ 184.13


Number of monthly repayments (12 to 60 months)
months 36

APR
21.1%
TOTAL amount you pay each month
£
184.13

TOTAL amount payable
£
6,628.68

Your loan quote

Here are the details of the loan you requested.

Loan amount £ 6000

Amount you pay each month for the loan £ 205.10


Number of monthly repayments (12 to 60 months)
36 months
APR 14.9%

TOTAL amount you pay each month £ 205.10

TOTAL amount payable £ 7,383.60



Hey they must think am made of money ha ha

darcyvuqua

well i have had another look defo no loan option i have only got a basic account with them and not a full current account that could be why!

Cash_Flow

darcyvuqua wrote: »

well i have had another look defo no loan option i have only got a basic account with them and not a full current account that could be why!

It could be? or maybe you are a lottery winner and they know you don't need a loan.

I bet you only come on here to feel normal again after your lottery win:rotfl:

darcyvuqua

Cash_Flow wrote: »

It could be? or maybe you are a lottery winner and they know you don't need a loan.

I bet you only come on here to feel normal again after your lottery win:rotfl:

if i have it is only a tenner lol:eek: