danny la rouge
Ninja swords for all disabled people
Fucking fuck. I've never felt more like K in my life.
(Literary allusion, not a drug allusion).
Santander (the bank group).
- Thread starter danny la rouge
- Start date
(Literary allusion, not a drug allusion).
kabbes
First intersubjective, then internalised
Quimbly, there is no inherent reason why you should get into debt more by credit card than by debit card. Just keep an eye on your account -- which you can do online -- and don't change your spending habits. If you're THAT worried then set a credit limit no higher than the amount you would actually want to spend each month.
I've had a credit card for 13 years -- as a student, newly employed bum and responsible pillar of the community -- and I've failed to pay it off in full less than five times in that period. It's not inevitable that you'll get into debt.
Meanwhile, you're missing out on some serious heavyweight protection by not using the credit card.
I've had a credit card for 13 years -- as a student, newly employed bum and responsible pillar of the community -- and I've failed to pay it off in full less than five times in that period. It's not inevitable that you'll get into debt.
Meanwhile, you're missing out on some serious heavyweight protection by not using the credit card.
quimcunx
imprimeo, lamino, distribuo
But they do, don't they? Lots of debt. Lots and lots of debt.
I use my credit card when I want/need something that is too much for me to pay out of one pay. And I know when I am using it other things find their way on there too.
quimcunx
imprimeo, lamino, distribuo
But I like you.
I'm not very naughty, but credit cards are poison to lots of people so I'd be wary of advising people to use their credit cards for all their normal living expenses. Yes it's a good idea if you handle your finances properly but, many, many people don't handle them properly do they?
I for instance have 2 separate accounts - 1 for bills, 1 for spending. That way I can't miss a mortgage payment or other essential bill. I'm not going to keep a close enough eye on one account, I just won't, so I'd be bound to land in trouble at some point.
moonsi til
worked it out now!
I would probably be inclined to think that it is the fact that you pay your bill off in full each month that got you turned down.
I am now in a position to use my credit card and pay it off in full each month so I now have a card that provides cash back and as kabbes has stated credit cards offer more protection than debit cards. I would not consider buying a substantial item without my credit card these days.
I am now in a position to use my credit card and pay it off in full each month so I now have a card that provides cash back and as kabbes has stated credit cards offer more protection than debit cards. I would not consider buying a substantial item without my credit card these days.
quimcunx
imprimeo, lamino, distribuo
I'm not. I don't like to give him the satisfaction.
danny la rouge
Ninja swords for all disabled people
And I don't want my missus reading that you've given me satisfaction, either!
subversplat
writer of wrongs
The prepay Cashplus Mastercard gives you all that nice protection stuff, but you have to go to the hassle of loading it up, and they charge a fee.
danny la rouge
Ninja swords for all disabled people
O-O-OK, so I've had a written reply. I paraphrase:
What do those in the know think happened, then?
What do those in the know think happened, then?
danny la rouge
Ninja swords for all disabled people
Isn't it. I'm almost tempted to apply again to see what happens. Almost, but not quite.
RubyBlue
faded and jaded
It's reassuring that it wont affect your credit rating but even so - one mark against you if you have an otherwise good rating would not make any difference - I had an ongoing dispute with Orange - was recorded on my credit file - never made any difference regarding obtaining credit - my record was / is otherwise good.
I was turned down by tesco for a credit card once - tesco
but applications to amex and morgan stanley were accepted!
I was turned down by tesco for a credit card once - tesco
but applications to amex and morgan stanley were accepted!Funky_monks
Neo-Rustic
Not worked for a bank for a while, but it does sound fucking weird to me. It sounds like either the person at your branch mis-entered your details or theres something more sinister lurking in the background. Id have a look at your credit report if I were you. I think you can get it for nowt nowadays....(experian?)
Edited to add: Do you have your business banking with santander? It could be that someone with the authority to make an un-scored lending decision is prepared to make the loan as he can see no risk (you would be surprised where people with un-scored lending authority lurk in banks. When I used to work in the call center, I had an un-scored lending authority of £3K and some of my colleagues across the floor on 'complex accounts' had tens of thousands. We were all 'clerks'....which you may find that nobody in your branch is, they are all called 'customer service rep' or 'sales manager').
experian, call credit or equifax.
teuchter
je suis teuchter
I have been with Alliance and Leicester since I was a teenager... (well, originally it was Girobank).
I've never had a credit card - just do everything with the debit card. I know there's the stuff about the extra protection you get with a credit card... but am too lazy to apply for one (and can't think of any situations where I've lost out due to not having one) and also can't be bothered having to remember to pay it off each month (can you arrange for this to happen by direct debit or something like this? I never spend beyond my means).
What I don't fully understand is why people like to go into bank branches. I don't think "being old" is sufficient explanation. I don't think I've ever been into a branch of Alliance & Leicester to do anything to do with my account. Do everything I need to on the interweb now, and before that, by phone. Checques I'd just post in or hand in at a post office.
What would anyone actually want to go to all the effort of physically going into a bank and standing in a queue, rather than just pressing some buttons on their computator?
I've never had a credit card - just do everything with the debit card. I know there's the stuff about the extra protection you get with a credit card... but am too lazy to apply for one (and can't think of any situations where I've lost out due to not having one) and also can't be bothered having to remember to pay it off each month (can you arrange for this to happen by direct debit or something like this? I never spend beyond my means).
What I don't fully understand is why people like to go into bank branches. I don't think "being old" is sufficient explanation. I don't think I've ever been into a branch of Alliance & Leicester to do anything to do with my account. Do everything I need to on the interweb now, and before that, by phone. Checques I'd just post in or hand in at a post office.
What would anyone actually want to go to all the effort of physically going into a bank and standing in a queue, rather than just pressing some buttons on their computator?
kabbes
First intersubjective, then internalised
I think it was probably an error, just as they said. The whole process relies on overworked and underpaid office workers typing endless amounts of figures into the right boxes. There must be at least a dozen people processed incorrectly every hour.
danny la rouge
Ninja swords for all disabled people
No, RBS. I like to keep things nice and simple, which for me means: business there <-, personal over here ->.
geminisnake
a complex mass of conflicting ideas
Oh well, I'm a bad person too danny
I've banked with the Clydesdale for yrs but even they can bit a bit
occasionally.Can I ask why you're not happy about MBNA? Specially when you bank with the biggest shower of cnuts RBS <spits>
newbie
undisambiguated
nor me, in truth it's no explanation at all.
newbie
undisambiguated
a mutual.
