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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    darcyvuqua wrote: »
    hehe yes i do yeah have a overdraft with hsbc
    Hi Darcy any news from Sky card?
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    I'm surprised Cif about that. I have two Defaults from 2007.
    I know.Ah well.I'll just make do with my Next and JD Williams accounts
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    Cifpower, I have never seen one as big as yours!!! Your Next credit limit, that is.! ;)! How long did it take you to reach that size?! What limit did they start you out on?! Next have started me on £300 and there’s an item I’ve got my eye on that I need a higher credit limit for.!
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    I’ve only got one credit card.! HSBC ordinary mastercard, £2800 limit.! Is this enough for me to ‘build’ credit with or do I ideally need loads of credit cards in order to get a good credit rating?! I’m sitting here eating a box of After Eights. !Not very good with self-discipline today!
  • cifpower
    cifpower Posts: 6,502 Forumite
    allthingsconsidered2009 wrote: »
    Cifpower, I have never seen one as big as yours!!! Your Next credit limit, that is.! ;)! How long did it take you to reach that size?! What limit did they start you out on?! Next have started me on £300 and there’s an item I’ve got my eye on that I need a higher credit limit for.!
    It took me about 2 years to get that limit with Next. I started out with a £150 limit.
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    Is the Ulster card hard to get?
  • cifpower
    cifpower Posts: 6,502 Forumite
    allthingsconsidered2009 wrote: »
    Is the Ulster card hard to get?
    When I applied in 2007 I was turned down but I appealed. I was asked to send in 3 months bank statements and I was approved with a £500 limit. Good thing is that they always give you an instant decision.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Was your credit better in 2007 than what it is now?
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    Was your credit better in 2007 than what it is now?
    My default was registered in December 07 and only shows on my Equifax file. The thing hurting me now is the number of searches on both my files.
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    Re searches I've now got 13 or 14 on equifax and experian. Is that really bad?
This discussion has been closed.
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