credit cards

Level 10 User Joined: 27 Apr 2005 Posts: 620

right ive applied for numorus credit cards and not even capital one will gimme 1 over the net, sod knows y, and its my 1st cred card, any1 know of any banks that guarentee acceptance no matter wat list em below please lol

Forum Moderator Joined: 02 Mar 2004 Posts: 19978

credit ratings etc are involved,. is your address blacklisted?

previous occupants etc can tar an address for life.

Site Subscriber Joined: 05 Apr 2004 Posts: 1141

Everytime you are rejected it shows on your credit rating that they've not accepted you so it makes it even harder to get a card.

Your best of calling rather then going on the net because if they're not sure they can ask you some further questions.

Try
Mint - 0% On balance transfers AND purchases until Sept 2006
Halifax One - 12mts 0% on balance transfers 3mts 0% on purchases
Virgin - 0% on tranfers for 9mts

Other then that, Smile maybe (Co-Op)

Level 10 User Joined: 27 Apr 2005 Posts: 620

nah no blacklistings, ages ago (this wasnt my parents fault) they used to own telephone pizza and the guy that owned th franchse tuk us for all we had and my parents ended up bankrupt but that was well over 10yrs ago could that be a reason? i think i might have to call a few banks up or go in personally

Level 9 User Joined: 07 Dec 2005 Posts: 373

i was the same couldnt get my first credit card then i went to barclaycard,they accept just about everybody.intrest rates are high though.

Forum Moderator Joined: 02 Mar 2004 Posts: 19978

that won't be helping. Although bankruptcy should be cleared after about 5 years or so to an extent.

if you still live at the same address, say you live with your mrs or summat and go from that address for a while.

Level 10 User Joined: 27 Apr 2005 Posts: 620

done bother me, all im gunna do is pay my fuel with it and build up a cred rating this kiddie who i wrk with ere he said virgin hotshot are likely to accept me again they accept alot of ppl

Forum Moderator Joined: 02 Mar 2004 Posts: 19978

credit ratings are good. You need one to get a mortgage.

Paying for fuel is a good way to doing it as its not much and as long as you keep it payed off you'll be fine.

My mrs has a terrible credit rating cos shes a stupid bint (thewonderfulme on here) and shes still paying it off after baliffs threats etc.

if you get into shit though the CAB is a good place to go, they can get the intrest etc frozon on debts, and as long as you pay somethign back they cannot take you to court.

Even if you owe 10 grand and pay back Â£1 a month you are trying so they can't take you to court.

Its of course better to never get in that situation.

Also avoid the skeezing or skoozing or whateve rits called, 1 mistake can fuck you up proper and leave you in big debts, although when done right its a free way to a few hundred quid a year.

Retroholic Joined: 12 Feb 2004 Posts: 5685

skeezing? skoozing?

Site Subscriber Joined: 05 Apr 2004 Posts: 1141

2. skeezing
asking someone out without knowing them very well, scaring Jade, being a perverted creep.

Level 10 User Joined: 27 Apr 2005 Posts: 620

well we sahll c wat happens ey

Forum Moderator Joined: 02 Mar 2004 Posts: 19978

stoozing is what its called.

http://www.stoozing.com/

lits try it and fail and get into mega debt.

Site Subscriber Joined: 17 Mar 2004 Posts: 342

Credit cards are shit. If it's not a life threatening purchase then your best saving. I've just paid off my credit card, now just use it to buy fuel and use it on the net for the card protection. It's too easy to just put stuff on the card and worry about it later.

If you do get a card, set it up so that the full balance is due payable every month, that way your less inclined to make larger purchases.

Level 9 User Joined: 07 Dec 2005 Posts: 373

aye just watch what your doing,i maxed out 3 credit cards and had 3 loans as well,couldnt pay them back had to go to citizens advice,fooked ma credit rating for 6 years.

Site Subscriber Joined: 05 Apr 2004 Posts: 1141

Been doing that for years Smile

Credit Card, 0% 12mts 4500 Credit Limit
Bought Â£4300 worth of Stock
Sold on eBay for Â£5700

Put Â£5700 in savings @ 5% = Â£285 Proft
Cashback @ 1% = Â£43

Profit: Â£285 + Â£43 + Â£1400 = Â£1728 Very Happy

Also got Â£8,000 student loan in a bank account earning 6% interest but paying 2.5%

5 years @ 2.5% = Â£8833
5 years @ 6% = Â£10705 (Mixture of Halifax Web Saver and Montly Saver)
Total Proft: = Â£1872 Smile

Although I ended up spending some of my student loan capital so I'll probably be no better off but still better then owing!

Level 10 User Joined: 27 Apr 2005 Posts: 620

i just need 1, coz its the only way i cn increase my rating and i need 2 save up 4 a hse coz me and the other half are plannin on tieing the knot and i done really wanna stay at the folks hse just wanna do our own thing, so does evry1 reckon i should just phone various banks up or go in personally

Forum Moderator Joined: 02 Mar 2004 Posts: 19978

I'd go in personally its the best method tbh.

Also go semi smart, not like you just fell out of bed into a pile of empty tennants can!

Level 10 User Joined: 27 Apr 2005 Posts: 620

right ill go see barclays and a few others on saturday and see if i can get 1 or 2 lol