credit cards

kirk1690 · 20-10-2009, 15:20

well just had my credit limit reduced , never missed a payment or been late , all in all the perfect customer but the banks are making others pay for their mistakes , well thats the new yacht I was planning down the swanny .

**Maggy J** · 20-10-2009, 15:30

Did you miss a link out of your post?

Scrubbs · 20-10-2009, 16:31

Good place for a yacht I suppose............. down the river

Hom3r · 20-10-2009, 18:50

Quote:

Originally Posted by kirk1690

well just had my credit limit reduced , never missed a payment or been late , all in all the perfect customer but the banks are making others pay for their mistakes , well thats the new yacht I was planning down the swanny .

Have you ever come close to your limit?

If not the chances are you niver will, and if you card gets cloned they won't lose much.

**Chris** · 20-10-2009, 19:27

Quote:

Originally Posted by kirk1690

well just had my credit limit reduced , never missed a payment or been late , all in all the perfect customer but the banks are making others pay for their mistakes , well thats the new yacht I was planning down the swanny .

Pah, there's only one way to pay for a yacht. Save your money. Then when you've bought it, call it Dignity. You can sail it up the west coast, through villages and towns.

Jon T · 20-10-2009, 19:35

Quote:

Originally Posted by Chris

Pah, there's only one way to pay for a yacht. Save your money. Then when you've bought it, call it Dignity. You can sail it up the west coast, through villages and towns.

D'yer reckon people will "ask you how you got her"

Tony. · 20-10-2009, 20:31

Quote:

Originally Posted by Chris

Pah, there's only one way to pay for a yacht. Save your money. Then when you've bought it, call it Dignity. You can sail it up the west coast, through villages and towns.

Well isn't she pretty that ship called dignity

alferret · 20-10-2009, 21:39

Where else are you supposed to sail apart from "down the swanny"

Tony. · 20-10-2009, 21:40

Quote:

Originally Posted by alferret

Where else are you supposed to sail apart from "down the swanny"

You could always try 'up the creek'

alferret · 20-10-2009, 21:46

Quote:

Originally Posted by Tony.

You could always try 'up the creek'

But thats without a

Tuftus · 20-10-2009, 23:21

hehe, just had my limit increased on my super APR credid card to £1250...

Sweet, new telly cheers, will pay it off at £300 p/m

Can I get a current account with NatWest?

Nope.

24-10-2009, 12:04

Quote:

Originally Posted by kirk1690

well just had my credit limit reduced , never missed a payment or been late , all in all the perfect customer but the banks are making others pay for their mistakes , well thats the new yacht I was planning down the swanny .

Ah well, better than being up the creek without the paddle hey?

What banks are doing there is realising that if you let some people know they have £20000.00 on their card to spend on what they so wish, some people take it literally.
Stable Door/Horse

---------- Post added at 12:04 ---------- Previous post was at 12:02 ----------

Quote:

Originally Posted by Jon T

D'yer reckon people will "ask you how you got her"

I'll say " I saved my money " lol

Oops, nearly forgot, having your credit limit decreased is apparently good for your credit rating.
If you applied for credit and the company noticed you had say a £20000.00 limit, they would not take much notice of the fact that you owe zilch on said credit card, they see the £20000.00 available credit, hence in their eyes the risk.

**Hugh** · 25-10-2009, 00:55

Well, I have 18K limit on my Amex, and 15K on my Visa, and I have no problem getting credit.

But to be fair, I do pay my credit card bills off in full every month.