Anyone used Hitatchi Capital?
- Thread starter ScouserSte
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Why not pay on yer CC and then do a balance transfer to a 0% Card?
Virgin and Barclays both have some decent offers atm
Virgin and Barclays both have some decent offers atm
Soldato
- Joined
- 28 Dec 2009
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- Wales
Why not pay on yer CC and then do a balance transfer to a 0% Card?
Virgin and Barclays both have some decent offers atm
If you want to spread payments what I sometimes do is sign up for a credit card with 0% for say 12 months. Buy the item and destroy the card. I then set up a monthly payment so that it pays it self off by the 12th Month.
The good thing about this is you can over pay one month or just minimum payment the next without any hassl/penalty and there's no fee for paying it off. If you choose tesco or someone you can get clubcard points or cashback.
This also builds your credit rating up.
I need to check my credit file about this because i should really not of been declined. Not going to apply again as i am looking to get a house in maybe 6-12 months. I think i need to come up with some other idea by the looks of it. I have the money to buy it but means taking 700 quid out of my house fund. would do it but my mrs would hang me if i did lol was just easyer to just pay it of monthly but also pay it off before the 12 months were up
cheers
will i be looking at 2-3 days for the money to go back into my account ?
That is correct, can take a couple of days for the banks to transfer the money, but we have cleared it our end so will be with you soon.
Soldato
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- Birmingham
I got declined as was going to take advantage of it for some impulse buys, no idea why either, missed about 2 payments in 3 years - and only in those instances late not "missed, missed"... Hardly have any outstanding balance so it could just be that they look for something not directly associated with how you manage debt. Maybe they like to see maxed out cards on your history!?
Finance companies can be fickle at times - I don't know why or understand how they work. The cynic in me thinks that if you have a perfect credit history then they see you as someone who won't default and owe them more money.
When I got my latest phone contract the chap in the shop told me one of his brothers was declined a phone contract during the credit check process - he is a dentist. His other brother is a teaching assistant - he was accepted.
When I got my latest phone contract the chap in the shop told me one of his brothers was declined a phone contract during the credit check process - he is a dentist. His other brother is a teaching assistant - he was accepted.
No they would not get declined due to address that should be fine as the loan isn't against the property.
I'm going to try it, I recently had average credit history due to some missed payments, now got it up to good/very good so lets see how I fair.
My next plan i think will be as soon as the Hitatchi Page comes up try with my parents details (24 and have to use my parents details 
) i still should be able to do it via my login details pay the deposit again via my card then when the Hitatchi page comes up use my parents details >> can i do this ??
) i still should be able to do it via my login details pay the deposit again via my card then when the Hitatchi page comes up use my parents details >> can i do this ??Yea should not be a problem as i am in full time work and its only £650 i am looking to take out with them. Its mad to think i earn over 20k a year and been in a job 2 years and they wont accept me!! crazy ! i had only seen somewhere the other day some got finance with being in a job 5 months and earning 12k... so where i am going wrong lol