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I just got turned down for a credit card with lloyds, aMA! Watch

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    (Original post by jamesthehustler)
    of course that was all before the recession though
    Yes banks are much harder to get credit from these days. Mind you, seeing as we appear to be on the brink of another one, i thought i best just get in this one last credit card!?!
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    (Original post by john2054)
    Yes banks are much harder to get credit from these days. Mind you, seeing as we appear to be on the brink of another one, i thought i best just get in this one last credit card!?!
    i have to admit i must be one of the few who wants a recession
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    (Original post by jamesthehustler)
    i have to admit i must be one of the few who wants a recession
    Have you got a *short* bet placed? (on the stock market collapsing)? i don't think you're the only one to be honest with you!
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    (Original post by john2054)
    Have you got a *short* bet placed? (on the stock market collapsing)? i don't think you're the only one to be honest with you!
    i trade gold jewellery it the first source when people need money and i rake it in
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    (Original post by jamesthehustler)
    i trade gold jewellery it the first source when people need money and i rake it in
    do you rent or own or have a mortgage? or any other investments, which could be affected by this crash?
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    (Original post by john2054)
    do you rent or own or have a mortgage? or any other investments, which could be affected by this crash?
    gold bars, silver bars
    a small amount of solid economy shares
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    (Original post by jamesthehustler)
    gold bars, silver bars
    a small amount of solid economy shares
    A small amount of shares is neither here nor there. What about your house, do you own or rent or have a mortgage (or live at home)??
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    (Original post by jamesthehustler)
    gold bars, silver bars
    a small amount of solid economy shares
    If you own, the prices could go up or down, equally if you have a mortgage, or rent, the value and prices could similarly change. That is why i ask.
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    (Original post by john2054)
    A small amount of shares is neither here nor there. What about your house, do you own or rent or have a mortgage (or live at home)??
    (Original post by john2054)
    If you own, the prices could go up or down, equally if you have a mortgage, or rent, the value and prices could similarly change. That is why i ask.
    live at home
    the metals will rise and the shares have shareholder perks that even if the value was set to crash would still make me keep them
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    also ive requested this be moved to money and finance as itll be more appropriate.
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    (Original post by Napp)
    also ive requested this be moved to money and finance as itll be more appropriate.
    OK thanks Napp, I'm not very good at directing my threads to the right place, sadly.
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    (Original post by john2054)
    OK thanks Napp, I'm not very good at directing my threads to the right place, sadly.
    No problem friend, I had many the same issue
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    (Original post by Napp)
    also ive requested this be moved to money and finance as itll be more appropriate.
    It was moved here because he's not asking for advice. It's more of a chat thread, imo.
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    (Original post by Tiger Rag)
    It was moved here because he's not asking for advice. It's more of a chat thread, imo.
    Fair play lthough a duel listing perhapse as it could yeild some advice from other posters about the merits of certain CC's and which to avoid and of course credit scores.
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    Lloyds declined me twice in person despite me having a decent amount of savings with them, they are quite strict with the income needed to get one, so now i have one with a bad APR from aqua just to get my rating up.
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    iv got one with capital one
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    OP you need to understand about credit ratings and how to improve them.

    Run the marbles card for a while by using it and pating if off each month.
    You cna improve your rating and hen apply for the Lloyd's one later. Check your credit history from Experian and Call credit, which are the ones that Lloyd's uses.

    http://www.moneysavingexpert.com/loa...g-credit-score
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    (Original post by 999tigger)
    OP you need to understand about credit ratings and how to improve them.

    Run the marbles card for a while by using it and pating if off each month.
    You cna improve your rating and hen apply for the Lloyd's one later. Check your credit history from Experian and Call credit, which are the ones that Lloyd's uses.

    http://www.moneysavingexpert.com/loa...g-credit-score
    Yes i already had an excellent rating with experian, because i hadn't made any applications for 6 months. Now it will tank however
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    (Original post by john2054)
    I just got turned down for a credit card with lloyds 5 minutes ago, which kind of sucks, and then i straight away applied for one with vanquis and got accepted! YAY...
    I have one with Aqua after also getting rejected by Lloyds
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    (Original post by AngryRedhead)
    I have one with Aqua after also getting rejected by Lloyds
    yes, i used to have one with aqua too. they are quite good aren't they. i now have two with capital one, one with marbles, one with vanquis and a student overdraft with the co-op.
 
 
 
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