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Scottish Trust Deed Forum
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Topic starter
24/04/2013 9:04 am
$ months of TD to go & counting !!!!
Both my hubby & I got vanquis credit cards last month, spent £30 each & this morning, as soon as wages went into bank, I paid them off in full !!!
Doesn't sound very exciting does it ?? But after years of paying minimum payments, believe me being able to pay off the full balance & being in control of money is a fantastic feeling !!! [:D][:D]
boys1211
24/04/2013 9:45 am
Hi boys
You'd be surprised how good a posting that actually is.
I think sometimes the key point is just regaining that control again.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
24/04/2013 9:51 am
Fair play to you boys1211. Not only a good positive posting but it has made my day to see Mark's reply starting "hi boys"!
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
24/04/2013 9:39 pm
quote:
Originally posted by Kevin Mapstone
Fair play to you boys1211. Not only a good positive posting but it has made my day to see Mark's reply starting "hi boys"!
[:D]
24/04/2013 9:52 pm
Hi Kevin
Good call. I never noticed that.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
27/04/2013 5:25 pm
hello
may i ask how easy it was for you to get the vanquis card?
did the impose a very small limit etc??
many thanks
27/04/2013 8:57 pm
Well done , have a emergency credit card myself , but always refuse the increase in credit limit .
Such a good feeling to say NO.
Topic starter
28/04/2013 2:55 pm
Hi greeneyedlad
Actually very easy to get the card, I think Vanquis is a card specifically for re-building poor credit rating !!!
High APR, over 36% per annum, but paying it off is really easy, we have registered our details online & paid it that way !!! So long as you pay in time the APR is irrevlevant...
Credit limit of £500 so way more than enough !!
boys1211
28/04/2013 11:19 pm
My credit limit is now £2000. Pity they dont lower the apr at the same rate they up your limit!!
Still used sparingly and paid off ASAP.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
