Just been to see the nice people at Barclays today about opening a premier account. Currently with santander who are complete pants.
Seems like a better option because you have a personal banking manager to talk to about loans etc. Seemed to understand the score etc.
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Previously on "Credit search experian - available credit = > £94K !!"
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Originally posted by psychocandy View PostJust got a freebie experian credit search and results were that even though my credit score was good, available credit was a bit excessive.
Anyway, looking at it, I've got 9 credit cards with available credit of over £94K. Scary. Luckily, outstanding is very low indeed - just a few balance transfer at 1.9% or something. About 5 of these cards I aint used in years they're just sitting there with zero balance.
Had problems getting a loan a few years - looks like this is why. I guess theoretically, I could get a loan then hike cards up to their limit and be screwed. Scary though as to what the minimum payment on £94K would be. (2.5% of £94K = £2350 a month, interest at 1.6%/month approx = £1500 WOW!). Approaching a permie salary for the month there!
I think I better close a few. Only trouble is even though I can login to most online I cant even find the cards so I dont know the card no.
Its gotta be done but its reassuring to have it available. Its like I'll have the card there just in case I need it.....
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Originally posted by d000hg View PostIf you want to talk about cars crashing into each other, start your own boring thread.
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If you want to talk about cars crashing into each other, start your own boring thread.
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Originally posted by VectraMan View PostIt's amazing what you learn about car crash testing whilst reading a thread about having too many credit cards.
I spent ages looking for information about how good cars are in a roll, but NCAP don't test for that. The US equivalent have a rating for roll, but that's roll resistance, rather than how well the occupants are protected. It seems the industry and the public are happy to accept that you're probably dead if your car ends up upside down, as indeed happened to some poor unfortunates on the M6 last week.
This is after seeing a couple of people crawl out of an upside down S2000. Ironically, it seems you're better off in a convertible than most cars.
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Re: Credit search experian - available credit = > £94K !!
It's amazing what you learn about car crash testing whilst reading a thread about having too many credit cards.
I spent ages looking for information about how good cars are in a roll, but NCAP don't test for that. The US equivalent have a rating for roll, but that's roll resistance, rather than how well the occupants are protected. It seems the industry and the public are happy to accept that you're probably dead if your car ends up upside down, as indeed happened to some poor unfortunates on the M6 last week.
This is after seeing a couple of people crawl out of an upside down S2000. Ironically, it seems you're better off in a convertible than most cars.
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So, in conclusion - driving M1A2 Abrams MBT is much safer in the unlikely event of front collision with an Aygo?
Well, I never...
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Originally posted by escapeUK View PostEuro NCAP - Wikipedia, the free encyclopedia
Comparing test results
The Euro NCAP frontal impact tests simulates crashing a car into another of similar mass and structure. This means that the ratings can only be meaningfully compared between cars of the same type and size.[6] The following structural categories are used:
Passenger car
MPV
Off-roader
Roadster
Pickup
In each category, cars which are within 150 kg of one another are considered comparable
Buying your car | Euro NCAP - For safer cars crash test safety rating
Are large cars safer than small cars?
In frontal impacts between cars, the occupants of the heavier car or the one with higher structures tend to fare better than those travelling in lighter, lower cars. As it is not possible to simulate the influence of mass in a test against a fixed barrier, Euro NCAP recommends comparison only between cars which are of a similar mass (+/- 150kg) and in the same category. Such comparisons allow the relative safety performance of cars to be judged accurately.
Can results be compared between groups?
Accurate comparisons can only be made between cars in the same group. The frontal test mirrors a crash between two cars of similar size. A heavier car or one with a higher structure will tend to have an advantage if it impacts a smaller car. The Euro NCAP results cannot be used to predict the outcome of such crashes.
Aygo Weight = 890
Ford Focus = 1270
VW Golf = 1323
And so on.
But Ive already said what the experience of my father was, in a crash little car = dead or disabled, big car = walk away with stiff neck.
Might only do 3 mpg then!
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Originally posted by escapeUK View PostEuro NCAP - Wikipedia, the free encyclopedia
Comparing test results
The Euro NCAP frontal impact tests simulates crashing a car into another of similar mass and structure. This means that the ratings can only be meaningfully compared between cars of the same type and size.[6] The following structural categories are used:
Passenger car
MPV
Off-roader
Roadster
Pickup
In each category, cars which are within 150 kg of one another are considered comparable
Buying your car | Euro NCAP - For safer cars crash test safety rating
Are large cars safer than small cars?
In frontal impacts between cars, the occupants of the heavier car or the one with higher structures tend to fare better than those travelling in lighter, lower cars. As it is not possible to simulate the influence of mass in a test against a fixed barrier, Euro NCAP recommends comparison only between cars which are of a similar mass (+/- 150kg) and in the same category. Such comparisons allow the relative safety performance of cars to be judged accurately.
Can results be compared between groups?
Accurate comparisons can only be made between cars in the same group. The frontal test mirrors a crash between two cars of similar size. A heavier car or one with a higher structure will tend to have an advantage if it impacts a smaller car. The Euro NCAP results cannot be used to predict the outcome of such crashes.
Aygo Weight = 890
Ford Focus = 1270
VW Golf = 1323
And so on.
But Ive already said what the experience of my father was, in a crash little car = dead or disabled, big car = walk away with stiff neck.
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Originally posted by psychocandy View PostHmmm. By that rationale, the only safe cars are large ones and you shouldn't buy ANY small car?
EDIT: just watch the video!Last edited by Platypus; 7 January 2013, 17:06.
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http://www.youtube.com/watch?v=QXunnaaYtz0
There's a video for people who like to see proof, there a Yaris as an example. See how the Yaris is destroyed by the Camry.
"In a real world crash the driver of the Yaris would sustain serious injuries, by comparison the driver of the Camry would fair much better."
Im a little surprised that people do think that small cars with 5 stars are as safe as a big car with 5 stars, but I guess this is marketing in action!
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Euro NCAP - Wikipedia, the free encyclopedia
Comparing test results
The Euro NCAP frontal impact tests simulates crashing a car into another of similar mass and structure. This means that the ratings can only be meaningfully compared between cars of the same type and size.[6] The following structural categories are used:
Passenger car
MPV
Off-roader
Roadster
Pickup
In each category, cars which are within 150 kg of one another are considered comparable
Buying your car | Euro NCAP - For safer cars crash test safety rating
Are large cars safer than small cars?
In frontal impacts between cars, the occupants of the heavier car or the one with higher structures tend to fare better than those travelling in lighter, lower cars. As it is not possible to simulate the influence of mass in a test against a fixed barrier, Euro NCAP recommends comparison only between cars which are of a similar mass (+/- 150kg) and in the same category. Such comparisons allow the relative safety performance of cars to be judged accurately.
Can results be compared between groups?
Accurate comparisons can only be made between cars in the same group. The frontal test mirrors a crash between two cars of similar size. A heavier car or one with a higher structure will tend to have an advantage if it impacts a smaller car. The Euro NCAP results cannot be used to predict the outcome of such crashes.
Aygo Weight = 890
Ford Focus = 1270
VW Golf = 1323
And so on.
But Ive already said what the experience of my father was, in a crash little car = dead or disabled, big car = walk away with stiff neck.Last edited by escapeUK; 7 January 2013, 16:53.
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Originally posted by escapeUK View PostYou should remember that those Euro Ncap tests only compare same size cars against each other, so a 5 star little weak car is not as strong as a 3 star medium.
Cutting people out of cars due to a crash with combined speeds of 80+ upwards isn't covered by NCAP and abolsutely, you would expect a bigger car to fare better.
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