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Lord Percy
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PostPosted: 21:55 - 03 Feb 2020    Post subject: The 'Ask a Question, Get an Answer' thread Reply with quote
For questions that don't really need their own thread...

First question: If I pay for every little (or big) thing on my credit card, then pay the balance on the credit card before there's been any time for even 1p of interest to be added, will it do anything to improve my credit rating?
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t121anf
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PostPosted: 22:05 - 03 Feb 2020    Post subject: Reply with quote
Yes it will help.
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Fisty
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PostPosted: 22:15 - 03 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Lord Percy wrote:
For questions that don't really need their own thread...


Why are you such a bell end?
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pepperami
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PostPosted: 23:23 - 03 Feb 2020    Post subject: Reply with quote
Why is soup called soup?
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Polarbear
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PostPosted: 23:23 - 03 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Lord Percy wrote:
For questions that don't really need their own thread...

First question: If I pay for every little (or big) thing on my credit card, then pay the balance on the credit card before there's been any time for even 1p of interest to be added, will it do anything to improve my credit rating?


I have been told that if you pay off most of it and always pay more than the minimum allowed that's the fastest way your score improves but it depends on how bad your score was to start with.

I have various credit cards I use for different bonuses, an Amazon one for Amazon purchases, an Asda one for Asda etc. I always pay them off completely within the time limit so I never get any interest but my credit score hasn't budged in years.

Make of that what you will.
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andym
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PostPosted: 07:41 - 04 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Polarbear wrote:
Lord Percy wrote:
For questions that don't really need their own thread...

First question: If I pay for every little (or big) thing on my credit card, then pay the balance on the credit card before there's been any time for even 1p of interest to be added, will it do anything to improve my credit rating?


I have been told that if you pay off most of it and always pay more than the minimum allowed that's the fastest way your score improves but it depends on how bad your score was to start with.

I have various credit cards I use for different bonuses, an Amazon one for Amazon purchases, an Asda one for Asda etc. I always pay them off completely within the time limit so I never get any interest but my credit score hasn't budged in years.

Make of that what you will.


I've had a couple of credit cards for almost 2 years and was putting small purchases on one then clearing it before it was due, about 5-6 months ago I checked my credit score and it was in the mid 200's, (basically where it started before I got the cards), I had to put a flight on one and left it at the minimum payment until last month then cleared all but £30, I got an email saying my new credit report is ready last week... and it's now up to the mid 300's Confused
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Sister Sledge
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PostPosted: 09:16 - 04 Feb 2020    Post subject: Reply with quote
What is a credit card?

Blame the French for soup. They call broth soupe so it's natural to call similar with similar..
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pepperami
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PostPosted: 10:11 - 04 Feb 2020    Post subject: Reply with quote
Sister Sledge wrote:
What is a credit card?

Blame the French for soup. They call broth soupe so it's natural to call similar with similar..


Ask a question get an answer: hey this shit works Very Happy Thumbs Up
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bhinso
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PostPosted: 15:26 - 04 Feb 2020    Post subject: Reply with quote
Does checking your credit rating really knock down your credit rating?
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Polarbear
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PostPosted: 15:42 - 04 Feb 2020    Post subject: Reply with quote
bhinso wrote:
Does checking your credit rating really knock down your credit rating?


Depends who does it and for what reason. You checking is fine, no effect.
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iooi
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PostPosted: 16:53 - 04 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Lord Percy wrote:

First question: If I pay for every little (or big) thing on my credit card, then pay the balance on the credit card before there's been any time for even 1p of interest to be added, will it do anything to improve my credit rating?


If by credit rating you mean that figure that credit ref co's give.

Forget it. That figure is meaningless to lenders. They never see it. They all use their own internal scoring. It is your credit history that counts. So no missed payments, bounced DD's etc.

And watch out for the credit ref co's offering you loans/credit cards. They are getting a kickback for these.
You will get much better offers going direct.
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Easy-X
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PostPosted: 17:32 - 04 Feb 2020    Post subject: Reply with quote
Should you keep mayonnaise in the refrigerator?
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bhinso
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PostPosted: 17:42 - 04 Feb 2020    Post subject: Reply with quote
Why are so many riders dying in the rain?
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Ste
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PostPosted: 18:28 - 04 Feb 2020    Post subject: Reply with quote
Like ketchup, mayonnaise should be kept in the fridge after it's been opened.

It makes no difference if you used a credit card to buy the mayonnaise or the ketchup.

Riders are dying in the rain because we're not allowed to discuss what a certain less than fully grown man is doing. Worse still, the Coronavirus has added months of delays to the production of [name redacted]® because the ungrown man can't get cheap low quality parts delivered from China China. Shocked
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Lord Percy
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PostPosted: 19:20 - 04 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Fisty wrote:
Lord Percy wrote:
For questions that don't really need their own thread...


Why are you such a bell end?


I'll stop being a bell end when your mental age exceeds 14.
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hellkat
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PostPosted: 21:00 - 04 Feb 2020    Post subject: Reply with quote
What if I don't have any questions that need answering?
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chickenstrip
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PostPosted: 21:01 - 04 Feb 2020    Post subject: Reply with quote
hellkat wrote:
What if I don't have any questions that need answering?


Do you need an answer for that?
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hellkat
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PostPosted: 21:01 - 04 Feb 2020    Post subject: Reply with quote
Thinking ... wait a minute Thinking

Laughing Laughing Laughing Laughing Laughing
Thats a fuckin question anyway.
Laughing Laughing Laughing Laughing Laughing
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hellkat
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PostPosted: 21:02 - 04 Feb 2020    Post subject: Reply with quote
chickenstrip wrote:
hellkat wrote:
What if I don't have any questions that need answering?


Do you need an answer for that?

Is that your final answer?




Or your final question?
Dance!
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chickenstrip
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PostPosted: 21:05 - 04 Feb 2020    Post subject: Reply with quote
hellkat wrote:
chickenstrip wrote:


Do you need an answer for that?

Is that your final answer?


Not necessarily.


Quote:
Or your final question?
Dance!


Not necessarily.

Would rhetorical questions be off topic?
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Fisty
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PostPosted: 21:50 - 04 Feb 2020    Post subject: Re: The 'Ask a Question, Get an Answer' thread Reply with quote
Lord Percy wrote:


I'll stop being a bell end when your mental age exceeds 14.


My mental age exceeded 14 about the time when the best part of you slid down your mothers leg.
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hellkat
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PostPosted: 21:52 - 04 Feb 2020    Post subject: Reply with quote
chickenstrip wrote:

Not necessarily.
Would rhetorical questions be off topic?


Well they certainly wouldn't require an answer, so they have no place in a thread on the subject, do they.
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chickenstrip
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PostPosted: 22:01 - 04 Feb 2020    Post subject: Reply with quote
It's ok, I didn't need an answer for that.
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GettinBetter
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PostPosted: 22:55 - 04 Feb 2020    Post subject: Reply with quote
Ah so...
Riders are dying in the rain because they don't close their visors and drown. Confused
You can buy mayonnaise, ketchup, and soup on a credit card without changing your rating as long as you put it in the refrigerator .

It's the 14 yr old Frenchies that are bell ends for naming soup soup.

No question was asked here. Cool
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Easy-X
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PostPosted: 23:45 - 04 Feb 2020    Post subject: Reply with quote
Hmm... not as divisive as I'd hoped, okay.

Jam or cream first on scones?
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Old Thread Alert!

The last post was made 4 years, 79 days ago. Instead of replying here, would creating a new thread be more useful?
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