wonga

[garyfl]

how many of you use them ?

ive found them really useful in the past, ive used them quite a bit so the interest rates are a lot lower for me than for new customers. find it useful just before payday if i need to pay a bill or if i like something shiny

are there any other lower interest alternatives out there ?

im young 20 years old so i still dont get accepted for any good credit card or loans plus ive destroyed my file a bit with a lot of rejections when i applied a bit younger and didnt know it harmed my report. so will just continue using my capital one a little every month and maybe the odd wonga.

does a better credit rating mean a better mortgage a bit later on? or does it only cover loans and cc? ive never missed a payment on anything so im suspecting pulling in £1200 paying my phone bill, cc, etc just doing what i do im on track.

 

[garyfl]

i am pretty sensible, i have next to no outgoings so it dosent really matter to me just means its the convinience of getting it sooner

 

[garyfl]

If Vanquis reject you, you've done something seriously wrong. I'm 19 with no credit history save a phone contract and got approved for a Barcleycard Initial without a problem. Use it and just pay the money back, purely for building a credit history.

Nooo i dont mean it like that. i applied for good credit cards when i was in education getting rejected, now im in a good job i have a better chance but those said companies will neeed about 6 months before i can even think of re applying. i dont have bad credit i just think all those credit checks have harmed me in a way. i have a capital one credit card with 34% interest i use it often so i guess its just a waiting game. now my main question is this. does a good credit score mean a better deal on a mortgage or just bbetter scope on credit in general monetory terms.

 

[garyfl]

trololol nah jk yeah its maxxed but im clearing it on 26th no biggie. i know it looks hard to understand in op but basically i have money thats disposable when i actually get paid, but i need a new psu so ive borrowed from wonga till 26th then pay it back other than that its a wait till 26th game and i dont want to do that. finacially things are good im not in minus or anyything. tbh on 170 pounds im only paying £15 interest in the shortterm til 26th.

 

[garyfl]

but its a one off, cc interest payments are the same and monthly, before i got my job ( made redundant from last) i had a maxxed cc for a year no way to really pay it off. £15 month has really added up so tbh its dearer really than wonga. Plus im far from poor :/

 

[garyfl]

because im bored and want to start a build log.. was originally just so i could go more mobile with my music career.

 

[garyfl]

Why are you buying £170 PSU's if your finances are such that 2 weeks before payday you have no money left

Pretty extravagant amount to spend on a PSU by any standards

because on the 26th i have £1100 coming in from next Bacs

then ill be getting £250 from my sound design contract so my finances are okay. i just wanted the psu now because i have to rma mine, i used wongas convinience to be able to it now rather than later, means i can also rma sooner.

im not strat for cash nor am i living on the edge, i dont have many outgoings just board and a phone bill so why not. its not like i have to find rent or electric bill etc i do it because i just can.

when i get a new place obviously this wouldnt come into practice anymore.

 

[garyfl]

he's selling things he no longer needs...he must be poor!

where in this thread have i said im poor:/ im fed up of explaining myself now. i wanted to sell this pc because i was going to go mobile but thought why when i wont really go many places so was going to sell it to start fresh with sandy and start a new build modifying the case now im just keeping it and upgrading it. Started with an SSD.

edit : i hint sarcasm, i dont know whos side your on

 

[garyfl]

Editing to avoid a ban: You sound financially incapable.

Ban? :s

I get GD can be harsh sometimes but some of you are just plain rude. Theres no excuse.