Credit when you don't want it !

[luluj]

Ok so IVA has finished now for over 12 months - but haven't wanted or needed credit ! Last night I decided I wanted to order something from Next Home and went through the process - had my debit card at the ready to pay....to find without being asked they have automatically opened me a account with them and given me a £600 credit limit !

I am now far too scared to use it - I have already paid the £25 for the item I have not yet received as I really do not want the facility !

[kallis3]

Just phone them up and cancel the account now that you've bought the item. I'm sure they'll do it for you.

[Shining]

Yeah just cancel today and explain that you didn't want an account only to purchase an item.

I wanted some boots from Simply Be and they did similar to me.x

[animaleyes76]

Good way to help improve your credit rating (assuming you can trust yourself).

[plasticdaft]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by animaleyes76

Good way to help improve your credit rating (assuming you can trust yourself).

Agreed,and if you cant trust yourself after an IVA its time to abandon all hope!![;)]

Paul

[luluj]

Hubby and I discussed it last night - and we are going to run with it. We are adamant there is no going back to old ways so this will test the will power seeing as Next was one of our creditors before !

[plasticdaft]

Just refuse any credit limit increases and buy something small and pay it off over a few months to get some lovely big green ticks on those credit files!!!

It will test you but I am sure its a test you will pass with flying colours Liz!!!

Paul

[animaleyes76]

I've got a credit card and an overdraft now albeit non UK ones and it's really useful. Neither are massive limits and easily clearable in 2 months tops.

I only really got them to boost my credit rating here but Paul's right.. it definitely DOES feel different this time, and not a false "in control" as it was before.

[plasticdaft]

As soon as we come off the register we will be looking at vanquis cards. Our trust deed is on file for another 2 and a half years so by then we should look like a decent prospect for mortgages etc.

Paul

[Shining]

I'll be looking at Vanquis or similar too and hoping it'll help me in the future. x

[luluj]

Vanquis wasn't an option for us as we had one with them previously. 12 months on though we have tried the alternatives to no avail - the computers still says NO ! hence the pre-paid credit card !