: ( Credit & Finance advice! just want nice boobies

Hi girls. So I was gonna get a top up on an existing loan thatr i have like 2000 left to pay on to pay for my new boobs however then have declined my application. I also have a joint loan with my hubby at the moment which i did to help him get the rate down however he is now refinancing this into solely his name so its nothing to do with me as he can now get a better rate. Do we think im best to wait for him to do this before applying for finance with v12. It’ll still be on my credit file as an application but not an outstanding debt. Anyone with bad credit or too much credit been accepted??

I was getting all excited, bloody bank offered me the top up loan i didnt ask for it an dthen they said no. All dissapointed and sulky now and to top it off I have to work a bloody night shift tonight!!!!!!!!

Trued getting Credit card Hun?x

no but i’d need a heft credit limit plus i dont really wanna keep applying for stuff in case i get declined and it makes the rating worse x

Yeah that’s what I did 10 years ago and it stays with you for what seems like forever- I did that thing where you enter your details onto one form and it applied to like 100 companies,all of which turned me down cos I was on a low income at the time where I was so young.. Screws your credit completely and I’m still hesitant now even though I earn v good money, which is why iv paid for my op on my other halts credit card and I’m paying him off in a few lump sums- have you got someone that would take out a credit card for you on the basis that you pay them back?x

By the way I applied with v12 and my credit rating is crap and I got accepted yeey xx

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