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  • FIRST POST
    • Wrecklesstornado
    • By Wrecklesstornado 8th Dec 19, 9:49 PM
    • 4Posts
    • 0Thanks
    Wrecklesstornado
    Jacamo credit increase
    • #1
    • 8th Dec 19, 9:49 PM
    Jacamo credit increase 8th Dec 19 at 9:49 PM
    Hey guys

    New here so I'm hoping I'm posting in the right place

    My credit isn't the best but I've got Brighthouse and 2 sim only contracts and a Jacamo catalogue

    I'm just wondering how long was it before you guys got a credit increase with jacamo I've being with them 13 months and I'm still on 125 I've paid it off 3 times and they've not once offered me an increase, is there anyway they can do it manually if you guys have tried phoning have you had much luck? because surely 13 months is way to long without one increase

    I've never missed my bill always paid the minimum and more my minimum is 5 I pay 8-10

    Thanks so much
Page 1
    • Ben8282
    • By Ben8282 8th Dec 19, 10:05 PM
    • 4,763 Posts
    • 2,636 Thanks
    Ben8282
    • #2
    • 8th Dec 19, 10:05 PM
    • #2
    • 8th Dec 19, 10:05 PM
    They must love you. You must be paying them a fortune in interest.
    Having said that though, they would probably like to see a repayment of the balance before giving you an increase as, despite the fact that you are obviously a very profitable customer, this has to be weighed against the risk of lending to somebody who is unable to fully repay a debt of maximum 125 more than 3 times in 13 months.
    Don't have and wouldn't want a credit account with Jacamo so can't comment further as to their credit limit increase policy.
    Last edited by Ben8282; 08-12-2019 at 10:08 PM.
    • Wrecklesstornado
    • By Wrecklesstornado 8th Dec 19, 10:07 PM
    • 4 Posts
    • 0 Thanks
    Wrecklesstornado
    • #3
    • 8th Dec 19, 10:07 PM
    • #3
    • 8th Dec 19, 10:07 PM
    I have though I've paid them off 3 times and just spent the balance again it's ridiculous
    • Ben8282
    • By Ben8282 8th Dec 19, 10:09 PM
    • 4,763 Posts
    • 2,636 Thanks
    Ben8282
    • #4
    • 8th Dec 19, 10:09 PM
    • #4
    • 8th Dec 19, 10:09 PM
    I have though I've paid them off 3 times and just spent the balance again it's ridiculous
    Originally posted by Wrecklesstornado
    Try payng them off and NOT spending the balance again.
    • Wrecklesstornado
    • By Wrecklesstornado 8th Dec 19, 10:14 PM
    • 4 Posts
    • 0 Thanks
    Wrecklesstornado
    • #5
    • 8th Dec 19, 10:14 PM
    • #5
    • 8th Dec 19, 10:14 PM
    Isn't that the point of a catalogue though spending the credit or at least spending some of it
    • zx81
    • By zx81 8th Dec 19, 10:20 PM
    • 24,829 Posts
    • 27,726 Thanks
    zx81
    • #6
    • 8th Dec 19, 10:20 PM
    • #6
    • 8th Dec 19, 10:20 PM
    Not if you want to be seen as low risk, no.
    • Wrecklesstornado
    • By Wrecklesstornado 8th Dec 19, 10:21 PM
    • 4 Posts
    • 0 Thanks
    Wrecklesstornado
    • #7
    • 8th Dec 19, 10:21 PM
    • #7
    • 8th Dec 19, 10:21 PM
    Ohh so pay it off and leave it paid off
    • zx81
    • By zx81 8th Dec 19, 10:23 PM
    • 24,829 Posts
    • 27,726 Thanks
    zx81
    • #8
    • 8th Dec 19, 10:23 PM
    • #8
    • 8th Dec 19, 10:23 PM
    Yes. It's expensive credit for already over priced goods.

    See if you can get a credit card, buy things you actually want and clear in full each month.
    • nicetomeetyou
    • By nicetomeetyou 9th Dec 19, 5:35 PM
    • 257 Posts
    • 98 Thanks
    nicetomeetyou
    • #9
    • 9th Dec 19, 5:35 PM
    • #9
    • 9th Dec 19, 5:35 PM
    Go on ''my account''
    Go on ''my recent statements'' - a separate tap will open and it will be a statement for that month.

    I opened a account 3 months ago (I didn't really want the account but you need an account to purchase stuff) and they offered me 150.00 credit. I made a few purchases for 30.00 and payed it off when the statement arrived.. On my statement thingy it says ' We plan to increase your credit limit from 150 to 350 on your next statement date (31/12/2019). We'll carry out a further check just before we increase your credit limit and let you know whether or not the increase has been applied''

    Maybe there is a thing saying something like that on your statement?
    Last edited by nicetomeetyou; 09-12-2019 at 5:44 PM.
    • MattSt89
    • By MattSt89 12th Dec 19, 12:26 PM
    • 57 Posts
    • 8 Thanks
    MattSt89
    I just pay slightly over the monthly minimum and within six months went from 125 > 400 > 750 and now 1000.
    • Tallaght
    • By Tallaght 12th Dec 19, 2:00 PM
    • 1,416 Posts
    • 1,243 Thanks
    Tallaght
    Going off topic a bit but do Jacamo let you return goods if they do not fit ?
    • zx81
    • By zx81 12th Dec 19, 2:02 PM
    • 24,829 Posts
    • 27,726 Thanks
    zx81
    https://www.jacamo.co.uk/shop/policies/policiesView.action?finalTarget=policies_delivery& decoration=true
    • MattSt89
    • By MattSt89 13th Dec 19, 9:39 AM
    • 57 Posts
    • 8 Thanks
    MattSt89
    Yes they do
    • abc.xyz
    • By abc.xyz 14th Dec 19, 3:10 PM
    • 32 Posts
    • 15 Thanks
    abc.xyz
    Not sure if they work similarly, but Very gave me two increases. First from 750 to 1,250 when I was at almost max limit and didn't pay anything off it for ages (12 month's BNPL, 0% interest), and second from 1,250 to 2,000 when I had paid everything off (with no interest) and didn't buy anything else for a while.
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