Vanquis appears easiest to get. I got one as did my wife ,but she was refused a luma card which she had applied for 1st.

Paul

Hiya

Thank you for replying to my post [:)]

I had a look back older post on here and others were saying Vanquis too.
I applied online, their one for low credit rating (Vanquis Visa Card or something like that).

Fingers crossed i get it just so i can buy something of low value every so often, pay it off and make my credit report look better [:)]

Has anyone taken credit during their trust deed and if so who with? Just wondering if a small amount could be used. My superannuation is going up and with car repair MOT and road tax this month has been horrendous. Thanks

How would you repay the credit? Do you have enough leftover every month to maintain payments?

Keep your trustee aware if whats happening.

Paul

Hi ann910.

Better to talk to your trustee if you have a short-term problem.

Using high interest credit could store up a big problem for later.

Hi Ann910

I never took credit out when i had my Trust Deed. As i live on my own i struggled enough as it was without taking on more debt.

I would speak to your Trustee and explain your situation. They might be able to review your monthly payments and reduce them a bit.

I have been able to miss some payments and make them up at the end when unexpected bills need to be paid. Perhaps you trustee will be just as flexible.

Don't get further into debt, I know its tempting but it will still need to be paid back plus interest which will probably be fenominal.

We took a couple of payment breaks and made up the shortfall by paying a little extra over the final 18 months.

We use a post office budget card for road tax. That way you can add enough each month to the card so you dont have to find a lump sum when its due. You could also save a little each month in a tin marked road tax but may find yourself dipping into it for other things. With the budget card you cant do that.

Paul