Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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Just seen a laptop with a free double memory offer this week, so thought great - ill buy it now, using the 9month free credit option to buy it, and payoff next year.
thing is, as ive never taken out a loan/credit card before - I've got no credit history, and I can't get approved.
Colleague suggested taking out a credit card - buying the laptop with that, and pay that off. Apparently I could shop around and find a credit card with 9month interest free blah blah blah, is this a good idea?
Once i've paid off the credit card, obviously I will have got myself a rating, and will stand good in the future for this sort of thing.
I'd prefer not to get a credit card though, as im a weakling when it comes to temptation
Any Ideas?
Lotus Elise 111R
Impreza WRX STi
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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i will never do credit cards because i will just shop and shop
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote: Originally posted by ClaireF
i will never do credit cards because i will just shop and shop
Feel better now. Cheers
Lotus Elise 111R
Impreza WRX STi
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Get a Visa debit card and do it that way, thats what Rach had to do for 6 months.
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote: Originally posted by Ojc
Get a Visa debit card and do it that way, thats what Rach had to do for 6 months.
I've currently got a Visa Debit card, but apparantly that makes no contribution to my credit rating
Lotus Elise 111R
Impreza WRX STi
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Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
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The good deals with 9 months free interest are normally only for ppl with good credit history...so i found out.
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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quote: Originally posted by Kyle T
quote: Originally posted by ClaireF
i will never do credit cards because i will just shop and shop
Feel better now. Cheers
sorry, reason y i have no money in bank cos shop to much, on clothes not even worn
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Melville
Member
Registered: 4th Jun 03
Location: Newcastle upon Tyne
User status: Offline
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Have you applied for the 9 months interest free credit on the laptop? You wont know until you try it. If you cant get it then look at your other options after that,
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ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
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http://www.moneysupermarket.com/cards/cardsresults.asp
theres a few on there for 10 month 0% on purchases.
But like some one said you might not get that when you apply, however im sure you can get at least 6 month intrest free.
Make sure you pay it off before 0% runs out though, but then again its the same thing with credit for "buy now pay later", once the 9 months is up you end up paying 18.9% apr any way, a lot of people overlook this fact.
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--DAN--
Member
Registered: 3rd Feb 03
Location: Bottesford. Drives;3 Series
User status: Offline
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quote: Originally posted by Kyle T
quote: Originally posted by Ojc
Get a Visa debit card and do it that way, thats what Rach had to do for 6 months.
I've currently got a Visa Debit card, but apparantly that makes no contribution to my credit rating
A debit card would not contribute to your credit rating, Visa, Switch debit etc is just the same as paying with cash.
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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quote: Originally posted by ClaireF
quote: Originally posted by Kyle T
quote: Originally posted by ClaireF
i will never do credit cards because i will just shop and shop
Feel better now. Cheers
sorry, reason y i have no money in bank cos shop to much, on clothes not even worn
your joking, that pics of you looks as if your top is from the mid-80's and all dusty
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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dont think soooooooooooo
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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Jim
i'm with ssj_kakarot on this, get yourself a 0% credit card for 9 months of whatever. Should you not be able to pay it off before the 9 months simply get another one and transfer the balance
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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for starters that tops just from primark, rest clothes are bench, goldigga, hooch as i like my names brands
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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good for you Claire
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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I would personally spend the money on taking up English Language classes
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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quote: Originally posted by ClaireF
for starters that tops just from primark, rest clothes are bench, goldigga, hooch as i like my names brands
Chavvvvvvvvv
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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they all the brands from M&M sports
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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quote: Originally posted by Kathryn W
quote: Originally posted by ClaireF
for starters that tops just from primark, rest clothes are bench, goldigga, hooch as i like my names brands
Chavvvvvvvvv
i dont think so, none of my clothes even reseble a chavvvvv
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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quote: Originally posted by 3CorsaMeal
they all the brands from M&M sports
no dont where chav clothes
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Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
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Personally i think Bench clothes are chavvy. Especially Goldigga...
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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Translates into:
'I don't think so, none of my clothes even resemble a chav'
and
'No, don't wear chav clothes'
That is all.
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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quote: Originally posted by Gg_mf
Personally i think Bench clothes are chavvy. Especially Goldigga...
no dont over here
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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society is too hung up on material things imo, we should skin animals and wear them, also make shoes from wood
people would be much happier this way
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ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
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no way thats minging
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