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Credit cards of the 70s and 80s
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Do you remember how hard they was to get back then
Do you remember how much income you had to have before they gave you
These day you can be on the dole and have one
I think part of this cost of living crisis we having at present
Is down to much Credit
sAnd Credit killing high streets
Folk would have more money if didnt use Credit as much
I'm 52 never had one wouldnt even know how to use one |
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I used them a lot. Since they started talking about the possibility of the wthdrawal of cash, I always pay in cash now as far as possible and so do lots of people I know who started to do the same  |
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"I used them a lot. Since they started talking about the possibility of the wthdrawal of cash, I always pay in cash now as far as possible and so do lots of people I know who started to do the same "
Cash you have more to spend
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By *929Man
over a year ago
bedlington |
My dad was massively anti debt and drummed it into me to not have a credit card I remember him going mad when he seen I had a debit card he didn’t understand I could only spend one money on it haha.
I’m thankful for him though have zero debt only debt I ever had was my mortgage most my mates are ticked up to the eyeballs |
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By *mmmMaybeCouple
over a year ago
West Wales |
"The crazy thing is you need some sort of credit/borrowing to get your credit rate high. Madness."
It’s crazy our rating was crap as we had no mortgage & own our home outright, no debt (Did well out of previous home) so no credit trail.
I had to get a C/C & spend a bit on it to watch my credit score go up above “Poor” to “Good” & upwards.
Total crap really. If you have no debt your score should be “Stunning” not bloody “Poor”.
S |
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"The crazy thing is you need some sort of credit/borrowing to get your credit rate high. Madness.
It’s crazy our rating was crap as we had no mortgage & own our home outright, no debt (Did well out of previous home) so no credit trail.
I had to get a C/C & spend a bit on it to watch my credit score go up above “Poor” to “Good” & upwards.
Total crap really. If you have no debt your score should be “Stunning” not bloody “Poor”.
S"
It's a fix to keep you tied into the financial system  |
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By *929Man
over a year ago
bedlington |
"The crazy thing is you need some sort of credit/borrowing to get your credit rate high. Madness.
It’s crazy our rating was crap as we had no mortgage & own our home outright, no debt (Did well out of previous home) so no credit trail.
I had to get a C/C & spend a bit on it to watch my credit score go up above “Poor” to “Good” & upwards.
Total crap really. If you have no debt your score should be “Stunning” not bloody “Poor”.
S"
Haha yes it should be. I got refused for a mobile phone contract once due to having no history it’s still in the exes name to this day |
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By *rHotNottsMan
over a year ago
Dubai & Nottingham |
"Just to add, I only really use it when I feel I need the security of the guarantee. Otherwise I take my bag of 1p and 2p coins for my costa coffee  "
The guarantee (section 75) can be really hard to claim on now, similar to charge back on debit card. Since Brexit attitudes in banks have moved to American / libertarian way ‘caveat emptor’ which values business over consumer rights even though the EU retained law exists, it’s only applicable now when buying from uk not EU based businesses. Beware
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"Just to add, I only really use it when I feel I need the security of the guarantee. Otherwise I take my bag of 1p and 2p coins for my costa coffee
The guarantee (section 75) can be really hard to claim on now, similar to charge back on debit card. Since Brexit attitudes in banks have moved to American / libertarian way ‘caveat emptor’ which values business over consumer rights even though the EU retained law exists, it’s only applicable now when buying from uk not EU based businesses. Beware
"
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