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gettingby
Starting Member
8 Posts |
 Posted - 04 February 2011 : 13:35:00
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I was discharged in May 2010, I would like a credit card not becuase I need credit as I have never been so well off. I need it for things like hire cars when we go on holiday etc.
Been turned down by capital one and vanquis :(
Any idea's ? |
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glafy
forum expert
436 Posts |
Posted - 04 February 2011 : 15:42:46
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Do you need to clear up your credit profile?
I believe Paul at Reviva has an excellent e book that he can email to you.
I am sure that 1 of Our Experts will post soon with some information.
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 04 February 2011 : 15:47:28
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I suggest you get a pre-paid credit card, they are good in emergencies and require no credit checks. Some of the other posters might recommend some, personally I've got the Paypal one, although I've not used it for a while, I used to sell old clothes etc on ebay and then transfer it to the card to use.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 February 2011 : 12:42:39
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I agree with Viki - there are some excellent prepaid cards about.
Don't forget the BR will stay on your record for the full six years so this might be why you have been turned down.
An excellent site for checking what is on your credit record without resorting to contacting them seperately is this one:
http://www.checkmyfile.com/credit-report.htm
There is a cost, either monthly or a one off, but you can see everything in one place.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
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moodybluetwo
Junior Member
156 Posts |
Posted - 07 February 2011 : 17:15:30
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| Pre paid cards dont normally work with car hire companys unless you agree with the card company first.You will have to load quite a lot of money on the card which is locked by the hire company untill the hire is completed .If things go wrong you stand to loose a lot of cash as you are not protected by the Credit Card act....as its not a credit card. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 February 2011 : 17:58:24
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The Cashplus prepaid Mastercard has purchase protection the same as a credit card, and there is also a car hire facility, but this needs to be activated.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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moodybluetwo
Junior Member
156 Posts |
Posted - 07 February 2011 : 18:21:07
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| I have that card and yes it does have payment protection but not to the same extent as a credit card and to hire a car you have to preload an amount that covers the hire companys request. Cash plus use overseas call centres and calling them in the event of problems can be expensive. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 07 February 2011 : 19:00:53
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It's better than nothing if you are unable to get a credit card.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 07 February 2011 : 19:21:13
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But if you can't get a credit card it's probably the best option.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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credit cards
