televisions on finance??
Discussion
hey guys, after some advice really!
i am a 20yr old male and im after a new tv, however i cant get credit!
i cant be arsed to save up and would find it easier to just pay monthly for it as i dont mind paying the 20/30quid a month for the have it now factor
went to currys but got refused credit,as i have a bad credit score i presume?
i've got a phone on contract, 11months in - never missed payment
sky tv, 2nd month and havnt missed a payment
been renting my own place for 4months now, and was in a rented place before that for 6 months
bank account is healthy as it can be, money going in and out regularly!
just wondering why i got refused for credit, and what i could do to improve it,
decided im going to get a credit card, by the tv and chop the credit card after purchase, then pay back double the minumum monthly payment, the apr on cards is cheaper than apr on currys finance, 6.7% on money supermarket iirc
any suggestions as where id be able to get credit online, or how to improve my score would be greatly appreciated!
thanks
i am a 20yr old male and im after a new tv, however i cant get credit!
i cant be arsed to save up and would find it easier to just pay monthly for it as i dont mind paying the 20/30quid a month for the have it now factor
went to currys but got refused credit,as i have a bad credit score i presume?
i've got a phone on contract, 11months in - never missed payment
sky tv, 2nd month and havnt missed a payment
been renting my own place for 4months now, and was in a rented place before that for 6 months
bank account is healthy as it can be, money going in and out regularly!
just wondering why i got refused for credit, and what i could do to improve it,
decided im going to get a credit card, by the tv and chop the credit card after purchase, then pay back double the minumum monthly payment, the apr on cards is cheaper than apr on currys finance, 6.7% on money supermarket iirc
any suggestions as where id be able to get credit online, or how to improve my score would be greatly appreciated!
thanks
Oh dear this is sadly labours legacy clearly somethings gone wrong in your past ie not paying for loans/debt and honestly saying you have paid sky the two sole payments is um ... Shall we say I was expecting to see you say you'd paid sky for at least a year without issue.
Note on the credit card you may not be given one and if you are and have a bad cr history you will not get the lowest offers you see online. Why you represent a higher risk to them than another average joe
Note on the credit card you may not be given one and if you are and have a bad cr history you will not get the lowest offers you see online. Why you represent a higher risk to them than another average joe
thanks for the quick reply lol
yeh i havnt had sky for that long due to onlu just getting settled where we are and deciding we can afford id, we have the basics and are now starting to get the luxuries if u like!
how would i be able to claw it back up then? ive heard places online do instand credite for clothes/etc, thought about one of them
basically...i want a new tele....now!
yeh i havnt had sky for that long due to onlu just getting settled where we are and deciding we can afford id, we have the basics and are now starting to get the luxuries if u like!
how would i be able to claw it back up then? ive heard places online do instand credite for clothes/etc, thought about one of them
basically...i want a new tele....now!
Changing address twice in a year won't help. You don't say if you're employed or not, if so and you haven't been in the job long that will count against you. How does your income stack up against expenses, could they argue there isn't enough to cover extra debt?
Last year I changed job and moved house all at the same time and struggled like mad to get a credit card to provide some temporary cashflow for house renovations for those reasons. This was despite a perfect credit history and my bank being more than happy to lend on the mortgage and continuing to offer all sorts of loans and overdrafts.
Last year I changed job and moved house all at the same time and struggled like mad to get a credit card to provide some temporary cashflow for house renovations for those reasons. This was despite a perfect credit history and my bank being more than happy to lend on the mortgage and continuing to offer all sorts of loans and overdrafts.
Are you on the electoral role for this new property? If not this is a huge part of the credit process. If they can't prove you live/lived there then I am sure it will be an almost instant failure.
Having said that I would really suggest not getting into debt for a TV. A car, yes - many people would disagree, a house yes, but not a TV.
Having said that I would really suggest not getting into debt for a TV. A car, yes - many people would disagree, a house yes, but not a TV.
Soft Top said:
Are you on the electoral role for this new property? If not this is a huge part of the credit process. If they can't prove you live/lived there then I am sure it will be an almost instant failure.
Good point, that was a large part of what hampered me too, as even once you request to be included it still takes weeks/months to update.i am not on the eltoral role in this house, i was registered in my old gaff though
as for getting in debt for a tv, its just a 20/30quid a month so i can have something now, id rather not save up otherwise it will probably be ages!
im full time employed as a painter and decorator and have been for a year now,
seen the 3d tv's and imo i dont think they are that good, i find myself distracted by the edges of the screen!
im not a normal 20year old...well i dont think so, depends what catorgory u think of a 20yr old
ive in a strong longterm relationship, got a child, own house, not council, work 40+hours a week etc, trying to do the best i can aye!
as for getting in debt for a tv, its just a 20/30quid a month so i can have something now, id rather not save up otherwise it will probably be ages!
im full time employed as a painter and decorator and have been for a year now,
seen the 3d tv's and imo i dont think they are that good, i find myself distracted by the edges of the screen!
im not a normal 20year old...well i dont think so, depends what catorgory u think of a 20yr old
ive in a strong longterm relationship, got a child, own house, not council, work 40+hours a week etc, trying to do the best i can aye!
aye, i think i may have to buy one!
luckily i work redecorating council houses and quite a lot of people want other rooms doing,
50quid a room that takes me an hour or two after work to knock out seems reasonable! may just have to save these up!!
want one now tho....grrrrr goddam gluttony!
luckily i work redecorating council houses and quite a lot of people want other rooms doing,
50quid a room that takes me an hour or two after work to knock out seems reasonable! may just have to save these up!!
want one now tho....grrrrr goddam gluttony!
kin hell that sounds good man, ill have to have a looksie on there, i think im gna have to hunt around, gna take me ages to save as theres always summat that needs paying! ideally im a fter a 42" as anything bigger wont fitter/small wont do :LIs this a wind-up? Surely if you're doing ok for yourself then it's not too much bother to save (took 3 months for me), if you are going to struggle to save for a few months can you really afford to buy something on finance?
If it's a case of "I want now", then I wouldn't recommend credit cards, get a short term loan (but even this is not the choice option). Yes it's nice having a new TV, but at the end of the day if you've got a kid surely you have more important things to spend your money on.
If it's a case of "I want now", then I wouldn't recommend credit cards, get a short term loan (but even this is not the choice option). Yes it's nice having a new TV, but at the end of the day if you've got a kid surely you have more important things to spend your money on.
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