Sub Prime Credit Card Club

alfred64

Sammy_Girl wrote: »

Cap One have a policy of automatically increasing your limit on your 4th statement providing you have run the account well - although it is always a bit of a guess to what they raise it to!

Not strictly true. I obtained a capitalone card on 1 March 2008, with £100 credit limit. After 10 months it remains at £100.

With such a low limit it has been quite easy to keep within it and pay off on time each month. I have not approached them about increasing the limit, but I am a little surprised they have not done so. It is difficult to see how I could have operated the account any better.

kpnut79

Morning

louiser123

sutton111 wrote: »

Hi Louiser. Do you know or anyone to that matter, how long it takes for Littlewoods to increase a credit limit on your account?

hi sutton,

i no longer have littlewoods but when i did i found it was about after the three month mark when they increased mine, then it was increased a couple of times more after that, my daughter has littlewoods and she has in the past rung them to request an increase and has it done over the phone. sorry i cant be of more help with that.

seeya23

good day to all

c8ndice

I also got the 0% on purchases on my new Capital One card for 6 months.

It was when I closed down my old Classic Visa. I got sent an agreement through the post for (the same card) but noticed the offer so accepted.

Funny thing is though, when it came through it was a Platinum card, but after the 6 months is up the rate goes back to the Classic rate

seeya23

alfred64 wrote: »

Not strictly true. I obtained a capitalone card on 1 March 2008, with £100 credit limit. After 10 months it remains at £100.

With such a low limit it has been quite easy to keep within it and pay off on time each month. I have not approached them about increasing the limit, but I am a little surprised they have not done so. It is difficult to see how I could have operated the account any better.

give them a call see what they say

cf11liam

@ Sammygirl, thanks for the reply!

I guess the guy was telling porkies then! I only got the card out to improve my credit rating, my minimum payments are £12 I pay £60

Is this the best way to improve my credit score? I am also now enrolled on the electoral role.

I was hoping for a BT offer, like Halifax do throughout your time with them. (6.9% for life, 0% for 6months etc..)

So this definatley isn't going to happen with this sub Capital One card?

Sammy_Girl

cf11liam wrote: »

@ Sammygirl, thanks for the reply!

I guess the guy was telling porkies then! I only got the card out to improve my credit rating, my minimum payments are £12 I pay £60

Is this the best way to improve my credit score? I am also now enrolled on the electoral role.

I was hoping for a BT offer, like Halifax do throughout your time with them. (6.9% for life, 0% for 6months etc..)

So this definatley isn't going to happen with this sub Capital One card?

Hi Liam, never say never lol. Like Candice said, she got a good offer.

The best way is to try and pay off as much as you can each month so that you don't have huge interest payments at the end of the 6 months. Now that you have your C1 card, make sure that you nevver miss a payment or go over the limit as you don't want all of that hard work undoing. Plus if you put one foot wrong then they'll take that 0% deal as quick as a flash!

Spot on for being on the electoral roll. That makes a huge difference.

Have you got recent copies of your Experian and Equifax report so you can see exactly what info is held about you? It can be scary reading at first, but better the devil you know!!

londonuk2008

louiser123 wrote: »

london, what increase did you get if you dont mind me asking?? how long have you had the card??

I have had the card since June last year - with a limit of £250 and its gone up to £400..... other cards from these the same...I am just about to cancel the JJB anyway.

PROLIANT

Very good evening to you all.