Capital one and Aqua

[tezza1234]

Just a general thread really i thought id share,

 

Now i have diabolical bad credit history which i stupidly trashed when i was 18 and struggled ever since.

 

But earlier this year i applied for a capital one card and was accepted,

ok limit is only £200 but wow, then even more shock a applied for a Aqua card and was accepted again for a Aqua start card with a limit of £100,

 

I am determined to be sensible and use these cards to my credit advantage,

 

What is quite funny with the Aqua one is after having the card for 4 months i requested a credit increase,

 

got a letter back after a week or so saying it is a responsible lender and the increase is declined,

 

then 3 days after that letter, my limit went from £100 to £200, weird huh.

 

Still, moral of the story is i now have £400 credit available if needed for dark days.

 

I have used and paid of in full each month to date and will carry on that road.

 

As someone who trashed my credit record as a 18 year old idiot it has taken me to my mid 30's to be able to get credit again.

 

I am determined to do things right this time around.

[fkofilee]

Good On you, I was with Vanquis and I now may join them again as I cant get a credit card with any of the mainstream lenders... yet....

[maroondevo52]

 

I am determined to be sensible and use these cards to my credit advantage,

 

I have used and paid of in full each month to date and will carry on that road.

 

As someone who trashed my credit record as a 18 year old idiot it has taken me to my mid 30's to be able to get credit again.

 

I am determined to do things right this time around.

 

Good stuff, if like you say you will continue to use these cards by running them to your advantage it'd say it's a good move. It will take a few years but will be beneficial in the long run.