The Dukeries Owl Posted June 27, 2014 Share Posted June 27, 2014 (edited) Zebra are ok if you've only got 2 bad things on your financial record. Any more than that and they use the 3 stripes and your out principle. My mate Paddy has a zebra called spot. Edited June 27, 2014 by The Dukeries Owl Link to comment Share on other sites More sharing options...
themaskedowl Posted June 27, 2014 Share Posted June 27, 2014 My mate Paddy has a zebra called spot.sorry but that's where I'm drawing the line. Link to comment Share on other sites More sharing options...
Mr. Chow Posted June 27, 2014 Share Posted June 27, 2014 (edited) Saw a thread the other day that someone's wonga interest was at 5000% apr lmao Edited June 27, 2014 by Animal Link to comment Share on other sites More sharing options...
Cpt_Hatstand Posted June 27, 2014 Share Posted June 27, 2014 Bit of a wedge to pay out at this time of year eddie. Not everyone is loaded tha knows. Eddie's had to downgrade from Egyptian to standard cotton handkerchiefs, we're all feeling the pinch mate... Link to comment Share on other sites More sharing options...
eDDie Posted June 27, 2014 Share Posted June 27, 2014 Bit of a wedge to pay out at this time of year eddie. Not everyone is loaded tha knows. Link to comment Share on other sites More sharing options...
eDDie Posted June 27, 2014 Share Posted June 27, 2014 In all seriousness, there's nothing wrong with accessing credit (I should know, I'm accessing nearly seven figures of it). But you don't get poor credit ratings without either: borrowing more than you can repay being useless at repaying it It's not about being rich or poor, it's about being fiscally responsible - not overstretching yourself and keeping your repayments in good order. That applies whether you're buying a kettle on HP or a mansion through a Cayman Islands trust. Link to comment Share on other sites More sharing options...
Eightace Posted June 27, 2014 Share Posted June 27, 2014 Once I couldn't get a bank loan and I got turned down for a hmv card that they even give students. Its because I was renting at the time I guess.I don't think I had a bad rating as I'd never borrowed owt before or had any debt. The bank wouldn't lend me a grand even though I was on £350 quid a week at the time and had £1200 already in it. Link to comment Share on other sites More sharing options...
bigdan2003 Posted June 27, 2014 Share Posted June 27, 2014 (edited) Just wondered if anyone had been turned down or had problems with zebra finance due to their credit history, I cannot afford to buy a season ticket outright but as a devoted wednesday fan who payed per game last year i would like to obtain one through credit, Cheers I think it's a 100% acceptance rate, regardless of credit history. Perhaps they've made a mistake. I have a good rating, and they turned me down this time around. I questioned it and it turned out to be an admin error on their side. Edited June 27, 2014 by bigdan2003 Link to comment Share on other sites More sharing options...
lt109 Posted June 27, 2014 Share Posted June 27, 2014 You've known for a year that you would need to buy a season ticket by June why not save in advance rather than finance or dodgey credit companies he probably couldn't afford to go to matches [POD] and save for next seasons season ticket at the same time. Link to comment Share on other sites More sharing options...
OurDan Posted June 27, 2014 Share Posted June 27, 2014 Wonga should be shut down for exploiting the vulnerable! Its not their fault that there are idiots stupid enough to use them Link to comment Share on other sites More sharing options...
Neal M Posted June 27, 2014 Share Posted June 27, 2014 That's what he's referring to when he talks of "Zebra". FFS Smithy don't use Wonga! Use the Zebra option. I believe it's interest free credit. Wonga definitely isn't interest free. Whilst there's no actual interest, Zebra doesn't offer a "free" service to the fans. You have to pay a fee upfront (£24), which effectively adds 5.5% on to the cost of the cheapest adult season ticket. But as you say - definitely cheaper than Wonga. I move a lot of concrete on the QVC. Link to comment Share on other sites More sharing options...
Leaping Lannys Perm Posted June 27, 2014 Share Posted June 27, 2014 Is there anyone on here who isn't a deadbeat? Link to comment Share on other sites More sharing options...
Guest mrbluesky Posted June 27, 2014 Share Posted June 27, 2014 I can lend it you, I only charge 98% interest. Link to comment Share on other sites More sharing options...
mosleyowl Posted June 27, 2014 Share Posted June 27, 2014 I've made my season ticket cheap as owt simply by not renewing Link to comment Share on other sites More sharing options...
adamb1253 Posted June 27, 2014 Share Posted June 27, 2014 You mean Wonga is not a good way to borrow money.....but there adverts seem so friendly Get thee sen to Quick Quid Worst. Advice. Ever.. QuickQuid sponsor the family stand at Bramall Lane... Make of that what you will Link to comment Share on other sites More sharing options...
Guest Hirsts Disco Pants Posted June 27, 2014 Share Posted June 27, 2014 Not being funny but perhaps POD is the best option for you? Go to a game, stick the next game costs in a bank account. Repeat. That way by next season you'll have enough for a season ticket, will have seen a few games and will not be living beyond your means. Unless it's desperate or you are very good with fiscal planning and have worked out a credit deal that is better than cash then if you need credit for something then you obviously can't afford it. Simple rule. Link to comment Share on other sites More sharing options...
Eightace Posted June 27, 2014 Share Posted June 27, 2014 You can't always pay cash for everything unless you want to wait 2 or 3 years for something you want now. Nowt wrong with getting a season ticket on credit if the interest is fairly low and its cheaper than paying on the gate. Link to comment Share on other sites More sharing options...
mrgund Posted June 27, 2014 Share Posted June 27, 2014 Hmm, interesting. I dare not look at my credit score after that one time when I 'forgot' to pay back that 20 grand loan. I might just get myself a season ticket now. Link to comment Share on other sites More sharing options...
Guest Hirsts Disco Pants Posted June 27, 2014 Share Posted June 27, 2014 You can't always pay cash for everything unless you want to wait 2 or 3 years for something you want now. Nowt wrong with getting a season ticket on credit if the interest is fairly low and its cheaper than paying on the gate. I'm not criticising I just thought id offer what (to me) would be words of wisdom, save up and attend the odd game. Or the following season what happens then? No commitment and attend the odd game and save for next year. VS Just get this seasons on credit and have a commitment to pay that makes it hard to save for the following year? What happens if circumstances change and the ticket on finance can't be paid off? These things happen. Then there will be no ticket at all. I'm just like that, which is why I own my house outright, have another house on the rental market and own my own successful business. I'm not loaded and years in service with the forces certainly helped, just hard work and sound financial budgeting. No matter how much I may have wanted something if I couldn't afford it then I did without until I could afford it. If I needed something urgently that I couldn't afford then that's where having a healthy credit rating became useful. Link to comment Share on other sites More sharing options...
mrgund Posted June 27, 2014 Share Posted June 27, 2014 But you can't have a good credit rating without having bad finances. Link to comment Share on other sites More sharing options...
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