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Author Credit Rating
Kyle T
Premium Member

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Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
6th Oct 06 at 11:20   View Garage View User's Profile U2U Member Reply With Quote
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
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 11:21   View User's Profile U2U Member Reply With Quote
i will never do credit cards because i will just shop and shop
Kyle T
Premium Member

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Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
6th Oct 06 at 11:23   View Garage View User's Profile U2U Member Reply With Quote
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
Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
6th Oct 06 at 11:25   View User's Profile U2U Member Reply With Quote
Get a Visa debit card and do it that way, thats what Rach had to do for 6 months.
Kyle T
Premium Member

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Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
6th Oct 06 at 11:27   View Garage View User's Profile U2U Member Reply With Quote
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
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
6th Oct 06 at 11:33   View User's Profile U2U Member Reply With Quote
The good deals with 9 months free interest are normally only for ppl with good credit history...so i found out.
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 11:38   View User's Profile U2U Member Reply With Quote
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
Melville
Member
Registered: 4th Jun 03
Location: Newcastle upon Tyne
User status: Offline
6th Oct 06 at 11:40   View User's Profile U2U Member Reply With Quote
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,
ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
6th Oct 06 at 11:46   View User's Profile U2U Member Reply With Quote
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.
--DAN--
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Registered: 3rd Feb 03
Location: Bottesford. Drives;3 Series
User status: Offline
6th Oct 06 at 11:50   View User's Profile U2U Member Reply With Quote
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.
3CorsaMeal
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Registered: 11th Apr 02
User status: Offline
6th Oct 06 at 11:51   View User's Profile U2U Member Reply With Quote
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
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 11:52   View User's Profile U2U Member Reply With Quote
dont think soooooooooooo
--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
6th Oct 06 at 11:54   View User's Profile U2U Member Reply With Quote
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

ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 11:56   View User's Profile U2U Member Reply With Quote
for starters that tops just from primark, rest clothes are bench, goldigga, hooch as i like my names brands
--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
6th Oct 06 at 11:57   View User's Profile U2U Member Reply With Quote
good for you Claire
--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
6th Oct 06 at 11:57   View User's Profile U2U Member Reply With Quote
I would personally spend the money on taking up English Language classes
Kathryn W
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Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
6th Oct 06 at 11:59   View User's Profile U2U Member Reply With Quote
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
3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
6th Oct 06 at 12:00   View User's Profile U2U Member Reply With Quote
they all the brands from M&M sports
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 12:04   View User's Profile U2U Member Reply With Quote
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
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 12:04   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by 3CorsaMeal
they all the brands from M&M sports


no dont where chav clothes
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
6th Oct 06 at 12:05   View User's Profile U2U Member Reply With Quote
Personally i think Bench clothes are chavvy. Especially Goldigga...
--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
6th Oct 06 at 12:05   View User's Profile U2U Member Reply With Quote
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.
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 12:06   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Gg_mf
Personally i think Bench clothes are chavvy. Especially Goldigga...


no dont over here
3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
6th Oct 06 at 12:06   View User's Profile U2U Member Reply With Quote
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
ClaireF
Member
Registered: 1st Nov 05
Location: hurlford, scotland Drives: corsa again
User status: Offline
6th Oct 06 at 12:07   View User's Profile U2U Member Reply With Quote
no way thats minging

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