Which sub-prime to go for?

Both myself and my husband had IVA's that have now been completed and I now have a couple of credit accounts, a couple of sub-prime CC and current account with small overdraft and mobile phone on contract.

However my husband has no credit at all so on his files it states no credit...no available credit...he just has a basic bank account which has been run with no problems.

What are the chances of him getting a Vanquis CC? We are on elect roll, he has been in his job over 20 years, earns around 20k, but are not property owners, although we have lived in same place for 15 years.

Any advice?


    CLAPTON Posts: 41,865 Forumite
    Combo Breaker First Post
    try and see... a couple of credit searches will do no harm.
  • doelani
    doelani Posts: 2,576 Forumite
    First Anniversary Combo Breaker
    hubby and I have completed IVA as well and I got Vanquis and Aquacard, was turned down for Flybe.

    Hubby only applied for Aquacard which he got.
    TOTAL 44 weeks lose. 6st 9.5lb :T
  • jack290292
    Ah thanks doelani will try Vanquis first as I prefer their CS to the pushy Aqua one!!
This discussion has been closed.
Meet your Ambassadors


  • All Categories
  • 343.6K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.8K Work, Benefits & Business
  • 608.8K Mortgages, Homes & Bills
  • 173.3K Life & Family
  • 248.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards