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pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

21st Jan 09 at 10:58

Fro, go INTO your bank and apply for one

Fro

Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline

21st Jan 09 at 11:05

Have done in the past

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

21st Jan 09 at 11:10

Why wont they give you one?

ShEp

Member

Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline

21st Jan 09 at 11:27

quote:
Originally posted by Andrew
I have one for 12k with Lloyds TSB and one for 7k with the Halifax. I also have a 2k overdraft.

I never run up debt more than 1k though, that would just be silly on my wages

Pay your bills on time lads and the bank will give you anything! It's silly the amount of money i have readily available..

How the hell on a shit job are you getting that?

I call BS or fraud

Fro

Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline

21st Jan 09 at 11:49

quote:
Originally posted by pow
Why wont they give you one?

they don't even know

Been with them for years, had my job nearly fours years, had mobile contracts in my name for 2 years.

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

21st Jan 09 at 20:47

quote:
Originally posted by pow
Why won't they up my limit then? I'm on similar money to you Andrew yet I'm stuck with 1.6k

To be honest, i don't understand it either. They keep sending me letters to take out 16k loans etc too.

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

21st Jan 09 at 20:48

quote:
Originally posted by ShEp

quote:
Originally posted by Andrew
I have one for 12k with Lloyds TSB and one for 7k with the Halifax. I also have a 2k overdraft.

I never run up debt more than 1k though, that would just be silly on my wages

Pay your bills on time lads and the bank will give you anything! It's silly the amount of money i have readily available..

How the hell on a shit job are you getting that?

I call BS or fraud

It's not a shit job mate, i'm just poorly paid. I'm sorting this mind

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

21st Jan 09 at 21:17

£1.6k isn't the only credit card I have

Tiesto

Member

Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline

21st Jan 09 at 22:06

4 credit cards, with roughly 3.5k limit on each.

Only reason i have 4 is that I use the 0% transfer periods then get another one. Currently have an Egg card with 0% until Jan 09. Only use them to pay for car insurance, and the knowledge that if anything happened Id have that credit availability to fall back on.

Colin

Member

Registered: 4th Apr 02
User status: Offline

21st Jan 09 at 22:58

Got 1 card with a £500 limit............theres no reason I need any more on a credit card.

John

Member

Registered: 30th Jun 03
User status: Offline

22nd Jan 09 at 12:17

Apart from if you want to buy something that costs more than £500 and stick it on the credit card.

Colin

Member

Registered: 4th Apr 02
User status: Offline

22nd Jan 09 at 13:28

Of which rarely happens & if it does I prefer to pay cash/debit card.

Daniel_Corsa

Premium Member

Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline

22nd Jan 09 at 14:07

Halifax 12 months 0% interest on purchases & balance transfers

£3,100 limit

Need to get a new one as 0% is running out

April '06' Corsasport Feature Car

| Aug '08' Total Vauxhall Feature Car

| Spring '09' Fast Car Feature Car

Fro

Member

Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline

22nd Jan 09 at 14:44

I only want one, because you're protected more when you purchase things than if you use a debit card, which is ridiculous imo.

Tommy L

Member

Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline

22nd Jan 09 at 14:46

My halifax came with 9 or 10 months 0% interest. Was the first and only one i applied for. Not with Halifax either. Applied online and in branch as was to impatient for online. Could of had a limit of £1k but opted for a limit of £700.

[Edited on 22-01-2009 by corsa_tomtom]

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

22nd Jan 09 at 16:02

Can you apply for one and only use it on a rainy day?

As in you haven't got to keep using it

[Edited on 22-01-2009 by Graham88]

John

Member

Registered: 30th Jun 03
User status: Offline

22nd Jan 09 at 16:51

Yip.

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

22nd Jan 09 at 18:02

Sweet.

I'll get the one for Shell that Pow posted before.

John

Member

Registered: 30th Jun 03
User status: Offline

22nd Jan 09 at 21:37

I've got that one as well, buy all my fuel on it and if i'm buying anything that i'd pay of straight away anyway I just buy it on that for the cashback.

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

23rd Jan 09 at 04:49

So am I right in thinking (sorry I'm not used to this stuff)

I can put everything I would normally pay for with my Debit Card, onto the Credit Card, the Credit card company will take the money out of my Debit Card account, so there's no real differene there, except by doing so I save money on fuel?

Have I got that right? Or are there other perks too?

dannymccann

Member

Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline

23rd Jan 09 at 07:40

While you are paying it off its also improving your credit record, credit cards are only bad if you cant pay them off!

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

23rd Jan 09 at 08:47

quote:
Originally posted by Graham88
So am I right in thinking (sorry I'm not used to this stuff)

I can put everything I would normally pay for with my Debit Card, onto the Credit Card, the Credit card company will take the money out of my Debit Card account, so there's no real differene there, except by doing so I save money on fuel?

Have I got that right? Or are there other perks too?

Thats right. Plus your credit rating goes up.

You havge to set a direct debit up with the credit card company, I just pay mine off online when the bill comes in!

John

Member

Registered: 30th Jun 03
User status: Offline

23rd Jan 09 at 11:46

I've got a direct debit set to pay in full every month so I can't be late with the payments, it's used exactly like a debit card.

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

23rd Jan 09 at 15:06

Sweet as, cheers guys

lil_g

Member

Registered: 29th Oct 06
User status: Offline

26th Jan 09 at 03:32

Totally forgot about this thread