Credit card question
Apr 18th 2006 | 2:40 am
#16
Assimilated Pauper
Joined: Mar 2005
Posts: 40,070
From: Ontario
Re: Credit card question
Originally Posted by Posidrive
You do need to keep a UK bank account going to make payments though
Apr 18th 2006 | 3:47 am
#17
Banned
Joined: Dec 2005
Posts: 15,706
From: In Limbo
Re: Credit card question
Originally Posted by TrishB
No point - bank wasn't interested. Experian and Equifax, although the same name as the UK companies, operate as totally separate entities to the UK counterparts, so credit rating still zero when you get here.
Mrs C and I came out with credit checks for each of us, from two different companies, we've used as proof of credit worthiness to getting Rentals, bank accounts, Credit cards, Car leases, store cards shall I carry on??
Apr 18th 2006 | 4:55 am
#18
Forum Regular
Joined: Aug 2005
Posts: 96
From: Vancouver B.C.
Re: Credit card question
Originally Posted by TrishB
Get a letter from your existing BANK in the UK, not credit card provider, before you come to Canada. When we approached Scotiabank for a credit card they insisted on a credit reference from our bank (Woolwich) in the UK. Once they got that we got credit cards no problem, were even able to negotiate the limit on the card (got $10K) with no money bond.
I suppose we were in a fortunate position as there are only 2 banks in town and Scotia knew we'd go to CIBC if they didn't give us credit cards!!
I suppose we were in a fortunate position as there are only 2 banks in town and Scotia knew we'd go to CIBC if they didn't give us credit cards!!
Anyone else been told this or have I been told a lot of piffle?
I've banked with BoS for years
Apr 18th 2006 | 6:26 am
#19
BE Forum Addict
Joined: Sep 2004
Posts: 1,709
From: Flat Oxfordshire
Re: Credit card question
Originally Posted by dbd33
I actively use the Barclaycard without having a UK bank account. They'll take any sort of payment. I send money orders purchased from a currency broker.
Apr 18th 2006 | 6:32 am
#20
Assimilated Pauper
Joined: Mar 2005
Posts: 40,070
From: Ontario
Re: Credit card question
Originally Posted by Posidrive
I'm too senile to cope that. I need the automatic minimum payment facility (UK banks only as far as I know) to cope with those times that I forget about it.
