Pay monthy, credit checks.

[Shady Pioneer]

6 months interest free credit card? Gives you 6 months to get the cash together. If you still dont have the money get another card with interest free and transfer the balance. . . .

That's how people get in trouble

[snifferdog]

Ive been bankrupt and never had a problem getting monthly insurance!

Oh and if youve got debts and live in rented accomodation i was advised (by citizens advice)that bankruptcy is the best option as they are so much more leanient in the current economic climate. I kept my bank account,car etc and was discharged from bankruptcy after 6 months.Easily the best decision ive made! 

[boneybradley]

At work the credit check decides what apr the installments get (If your good it's about 6% but be a bad creditor and its around 30%!)

oh and if your currently paying debtors back monthly and you get any form of credit card or loan etc you could be taken to court for breach of agreement (and all the hassle/costs that gives...)