#1
Ho'kay. Soh.

I was trying to get a laptop on finance the other day (i'm good at paying things back, but crap at saving, i spend my money on crap) and it got rejected.
I went to the bank to finally get the stupid 16-18 account upgraded to a proper current account, and then went to try a couple of weeks after.

Still got rejected.
The guy at curry's told me it was very likely its because i have no credit history, never took finance or a credit card before. He said it would be a good idea to get a student credit card and build up some good credit history. BUT, i'm not going to university after college.

I can't even get a normal credit card.

WTF. Whats the point of all this credit/finance crap if i get rejected by all of it.
I earn enough to pay it back, got a solid address e.t.c.

What can i do UG?
#2
you need to establish credit, it's going to be really hard to do this ATM though due to the economy. You might be able to find a bank willing to issue you a CC with like a 500 GBP limit or something.
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#3
Quote by McShredder
What can i do UG?
Spend the money you have and don't spend money you don't have, of course.
#4
I don't know how but I got a credit card when I turned 18, not a student card or anything.

I guess they just check your parents credit files, and could probably see I've lived with them and am supported by them.
#5
another thing that would estblish some credit is to get a cell phone contract and pay your bills for that on time.
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#6
i had no credit history and I got a CC with ~£3500 credit! No wonder people get in debt

tried applying through your parents address?
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Last edited by Bendybaws at Dec 12, 2008,
#7
I live with my dad and he's never payed late or even been overdrawn in his life :/
I know its easy to say "don't spend money you don't have", and i don't. I just waste the money i do have, i never get enough money to buy anything big outright, always like £100 less or so, but i can't make myself save it all :/
#8
My friend wanted to get an overdraft of £100 and he has fine credit history, they said he has to continue paying a certain amount of £ into his account for a certain amount of time.

Welcome to capitalism mate.
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#9

Bad times all round i guess.
I guess i'll just have to save up. Tis a shame tho, i'd rather be using a card to gain some good history.