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JB1520

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Post by JB1520 » Mon Feb 22, 2010 8:51 am
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It is now 14 months since I completed my IVA and STILL cant get credit anywhere. Can someone suggest a credit card that could offer me a low limit that I could repay each month and also any ideas on phone contracts.

JB
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rayb

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Post by rayb » Mon Feb 22, 2010 9:12 am
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Hi,

I believe a lot of people use Vanquis although it does have a high APR. With regards to phones unless you already have an existing contract with a provider it will be pretty hard until all your defaults have dropped off.
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Skippy

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Post by Skippy » Mon Feb 22, 2010 9:26 am
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I have a Vanquis card and it does have a high rate of interest, but if you make sure that you pay it off in full each month it doesn't matter.
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plasticdaft

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Post by plasticdaft » Mon Feb 22, 2010 9:37 am
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When did your IVA start? I am guessing that you offered a full and final early and it didnt run for 60 months?

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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