I wouldn't use anything I had to pay a monthly fee for when I didn't have to.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
the cashbuilder card is different as you pay £5 a month in fees and they lend you £60 for the year(which you dont actually get in your hand),this loan is reported to the credit reference agencies.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
I totally agree Jan,I dont want to pay for anything I dont need to,but finding something else for the credit file is a struggle.
The vanquis card is by provident banking and they are the ones who sent loads of letters offering me loans which I got that hacked off with I started sending silly things back in the prepaid envelopes(toenails,fish,glitter,2 for 1 pizza coupons(out of date!!).
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Foggy
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by artemischild
ha ha ha im in 2 minds now....ummm...can someone make the decision for me please [;)]
I'll make your decision for you ..... YES! eeer .. No!... ummm maybe
no ... DEFINITELY the chocolate [:D]
Thanks for that Foggy...... i agree [8)] Jazzberry on the walls with a picture rail it is!!!
Ive just checked and my Littlewoods account is still active, although not used for quite a while it marked as settled and i can log in/out!! I may use that for a bit once i get my CC to get some ticks too!
IVA completion and certificate received 08/10/2012!!!
I'll go with Vanquis hopefully when I've finished to aid the building of the credit rating. I hope to be like Skippy and pay off in full every month. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I won't pay a monthly fee to anything if I can get it free elsewhere!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I still have my Vanquis card and have had no problems with them at all other than they soon put a stop on your card if you use it more than seven or eight times in one day. Although I now have their Gold card the interest charges are still close to the 40% mark, possibly higher !! However as long as you clear the balance each month it really costs nothing and can be very handy.
The main advantage of a credit card is the safety that it provides, a few years ago I booked flights with Travel City Direct only for them to go into administration, I received a full refund via my Vanquis card
You can check your balance online and they txt you when payment is due. They have also been named credit card of the year three years running by Credit Today magazine.
How long have you had yours Andy? Its just they give the impression that if you behave with them you will get a lower APR but that doesnt seem to be the case at all.
Could you get a better rated card now and just havent bothered(if you dont mind me asking)?
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Paul, most of us have learned our lesson the hard way and can budget now so does the APR really matter? They could give me 100% APR and it wouldn't make a difference.
I agree Skip and Lesley - make sure you don't go stupid and pay it off every month.
No problem then.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
