CCOVICH said:Don't disagree that you deserve a second chance, but surely you should concentrate on clearing your existing debts before looking for a new credit card?
The 3v credit card mightn't be ideal, but it looks like the best option in your case. Otherwise, try and use Laser where possible.
If you got yourself into financial difficulties using credit cards in the past and have not made adjustments to your budgeting and spending patterns to address these (not to mention clearing the backlog) then you really should think long and hard about the prudence of getting another card.alpha said:i agree that i should concentrate on the debts first. having said that i miss the credit card terribly. they are so necessary these days.
All what talk? Why are you frustrated about not having a card while you deal with your existing financial and spending issues? It's not like they're essential for survival and, in fact, could just put you into more debt if you're not careful.all the talk of credit cards for those in debt in other countries has me so frustrated.
royrogers said:Banks talk to each other no matter what they say about confidentiality and the banks have a debt collecting section and no doubt your name will be with them. It is not fair but that is how it is.
royrogers said:Now if you had friends in high place then it would not be a problem but the most of us are not that lucky and we have to pay the price.
CCOVICH said:What's not fair-that banks should seek to recover debts? How would you like if I borrowed money off you and then fecked off to Australia without paying it back? Would you not take reasonable steps to recover it?
Or is it 'not fair' that bad debt write offs and provisions increase the cost of borrowing for everyone else, including those who have a clean credit history?
What 'friends in high places'? Can you expand on this?
demoivre said:Anything useful for you in here [broken link removed]
Are you saying that people should not be responsible for their debts in certain circumstances? Just to reiterate I am drawing a clear distinction between blame and responsibility here just in case you are confusing the two.ClubMan said:I'm of the opinion that ...
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