My credit card was cut off because I spent over the limit by 200 euro and then my temp limit expired leaving me 700 over
I paid the minimum payment's for 4 months and then missed a month (after a steady 2 year's of always paying it) because I was planning on paying back the full whack off and had been saving to do so
anyway the exact day I paid the 4700 off clearing the card they had a letter already in the post saying the breached section blah blah blah and it's no longer an active account but please apply again
yes they did call but i explained to the guy on the phone i was paying it off and he gave me 10 days to do so it was well within the 10 days
they declined when i applied again
I earn 30000 a year and have a loan of 20000 which I pay 450 a month off
who will give me a credit card?
Barclays. I filled out an application form for Barclays they then requested a host of information from me such as bank statements, pay slips, utility bills etc before they would issue me with a card. The stuff was too much hassle to organise so I didn't bother getting back to them with anything. Then about 4 weeks later they sent me my card without me giving them anything they requested.
I think you should be worried about it effecting your credit rating. If you look through other posts on this website from people with bad credit ratings finding it really hard to get a mortgages. bad credit ratings will stay on your record for 5 years, its really something you need to think about instead of having to get something on a credit card.