I hate not having a spare tire after a pothole destroyed the rim on one of my tires, forcing me to use the spare as a main tire... and then running over a [censored] screw in the road, giving me a flat, and forcing me to buy a new tire even though the old one was under roadside warranty because the old place was closed and the warehouse store was closer and still open.
Hey guys. Yeah as Tim says I'm a lot better today. Just cramps. But dear god in heaven. If I'd known how much it was gonna hurt I'd never have come within a hundred miles. But at least now it's over, its in place and Im safe for 10 years. Also I'm not gonna have my hormones screwed around anymore, which was my main reason for choosing the coil. I was sick of never ending periods. And when I say never ending I'm not kidding. In the last year i've only had about a month and a half of days where I wasn't. most of those in 2-3 day brakes. IT SUCKED ASS BIG TIME!!! although when I got the old implant taken out the nurse said that it was probably so shit this time round cos the trainee nurse who put in my second arm implant put it in too deep. My nurse took half an hour weedling that thing out of my arm. Then the real pain started. Anyone ever considering the coil, only get it after you've had a baby. I think only childbirth itself could be more painful.
And on the other subject, yes the web cam is probably a terrible idea but it might be nice to be able to show my mum stuff instead of just describing it to her. lol.
Okay, so I have no credit rating (having never participated in anything that would give me one), and since that's not a good thing I feel I ought to get a credit card to build one up (by just paying the council tax with it every month or similar).
I go for the Barcleycard Initial Credit Card, because it advertises itself as being the best choice for:
* those wanting their first credit card or to improve their credit rating (even if they have a history of missing payments)
* those who have no credit rating
* those who are new to the country (have had a permanent UK address for a minimum of 3 months)
* those who have a regular income of more than £10k pa.
So this seems like the perfect one to go for, right? I mean, how could it fail?
I enter all the required details (full name, address, employment details, etc.) and submit.
Argh! Apparently I'll get a letter in 4 or 5 days explaining why I was rejected, but I honestly cannot think of any possible reason why - especially given the ultra lax requirements as listed above! And to think, every failed application for credit is noted on your credit rating...which I guess I have one of now. >_<
Best way to build up credit is to take out a secured loan. Basically you have 1.5X in the bank, take out a loan on X, and repay the loan over a few months while paying interest. The end result is a positive note on your credit account; it's the only reason I have credit in fact (I avoided credit cards for most of my life; I need to get one now though...)
Are you on the electoral role? Because i've been told that can negatively affect you credit rating if your not. Also i was advised to put my phone on a contract to improve mine which seemed to work (or possibly Natwest are just very easy, try them!)
Very much on the electoral roll, and I've been on a phone contract for two months (so not very long really), but I wouldn't expect that to matter when applying for a card that might as well be labelled as Baby's First Plastic Rectangle.
I'd recommend the lloyds duo credit card (which gives 2 cards one mastercard and one american express) i dunno why but i got 1500 free air miles and they gave me my first credit card and it doesn't even have a bad APR (15.9%) though i dont plan to ever use it.
Heh, signed up to the airmiles site. Shame I can't shop at Tesco in Kingston (unless I get it delivered online, but that's a bit of a pain).
I'll look into the Lloyds card once Barclays tell me why they rejected me. One good thing is that the Lloyds card appears to be either a Mastercard or American Express, whereas the Barclays one was a Visa (and I already have a Visa Debit, so variety is good).