📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Sub Prime Credit Thread - Part IV

Options
1…806807809811812…866

Comments

  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    leemuddywaters wrote: »
    Ok, I have posted on here recently but mainly about Vanquis, I am looking to get a credit card to rebuild history and plan to pay off the balance in full every month, I have 2 defaults from 2006 - one settled and one on-going but nearly settled, my bank account and overdraft is showing all green on my report and also my mobile phone contract is all in good order, recently moved house and now showing on electoral roll..

    Any tips on what card I would have the best chance on being accepted for?

    Thanks,

    Yeah think vanquis is the best bet,if not capital one classic..
    If them 2 say no think you may have to wait until your default come off....
  • seeya23
    seeya23 Posts: 2,330 Forumite
    edited 27 May 2010 at 10:42AM
    never-in-doubt wrote: »
    Forget it then matey - have you actually ever thought about us seeing if we can get those two CCJ's set aside? I'm sure (so long as you never defended the claim) there will be inconsistencies within them....

    Do you remember all the details and everything, have all the original paperwork etc? If so we could see if we can get them removed for you matey..... :D


    i never defended the claim as i did not know about them they was at my old house that i move from in 2006 i do not have any paperwork or know who i owe the money too
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    star-fire wrote: »
    Right just wondered if anyone can advise me on this.
    I want to close my capital one credit card ASAP,the reason i have kept it open is because i have 2 and half years of history on it which would look good to lenders that i have kept good account history with them,
    The question is if i close it down how much would this effect me in october when i apply for another card,and if it is on my report as settled would the lender still look at my history on the credit report.
    Thanks....

    Nid,or innocent or anyone can you advise me on this....
    cheers
  • kilasuit
    kilasuit Posts: 645 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    vanquis are in process of lauching their online account management service dubbed evanquis its been added to their phone service as a new option for FAQs
  • seeya23
    seeya23 Posts: 2,330 Forumite
    edited 27 May 2010 at 1:15PM
    kilasuit wrote: »
    vanquis are in process of lauching their online account management service dubbed evanquis its been added to their phone service as a new option for FAQs


    it s was not that good only online for a week it keeps locking you out and they want you to pay 50p for them to send you your statement:mad:



    https://www.evanquis.co.uk/cards/security/logon/logon.aspx
  • brians_daughter
    brians_daughter Posts: 2,148 Forumite
    Afternoon folks!
    Does anyone know if you can hold more than 1 cap 1 card?

    I currently have a capital one progress, but in the future wouldnt mind the 'next one up' ie cap1 plus.
    In retrospect i really should've applied for this in the 1st palce looking at the acceptance guidelines. Would i need to close the progress down and reapply for plus? or can i apply for plus anyway?
    Cheers!
  • seeya23
    seeya23 Posts: 2,330 Forumite
    brians_daughter wrote: »
    Afternoon folks!
    Does anyone know if you can hold more than 1 cap 1 card?

    I currently have a capital one progress, but in the future wouldnt mind the 'next one up' ie cap1 plus.
    In retrospect i really should've applied for this in the 1st palce looking at the acceptance guidelines. Would i need to close the progress down and reapply for plus? or can i apply for plus anyway?
    Cheers!


    no you can only have one card with them at any one time you have to closed your account then apply again for a new card
  • seeya23
    seeya23 Posts: 2,330 Forumite
    edited 27 May 2010 at 1:45PM
    8 or 9 years ago my wife had two cards with capone credit building card and one was a blue mastercard
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    seeya23 wrote: »
    8 or 9 years ago my wife had two cards with capone credit building card and one was a blue mastercard

    These days you can only have one. However you can apply for the next one up as soon as you close the old one - no waiting period.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    star-fire wrote: »
    Nid,or innocent or anyone can you advise me on this....
    cheers

    You can close it down mate and reapply 30 days later can't you? I was sure someone here done it (maybe innocent/noah?) and closed the crappy1 then a month later applied for progress and was accepted with better limit...?

    So long as you have run it ok, they will still credit score you etc but also use existing customer data so it will be easier to be accpeted, put it that way! :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture