Vanquis Credit Card Process

claire6hy

i just got accepted! shocked as my credit rating is apaulling, i get refused for everything!!
just going to spend £5-10 a month, and pay off in full, is that the best way to slowly boost your credit rating?

sutton111

Well done:T ,did they ring you or was it an instant yes?

claire6hy

they called me
didnt understand a word of the woman on the fone tho

sutton111

probably trying to sell you card protection.

claire6hy

i managed to refuse that, and refuse 200 credit to my bank lol

Breezy85

Yeah I managed to decline it too although with the insurance that I said no to I recieve a letter last week welcoming me to Repayment Protection Insurance lolol - cheeky swines

Phoned them up (through saynoto0870 obviously) and the lovely girl apologised and credited my account with £20

Their APR might suck but I am using it to repair my history and will pay in full each month so the interest won't apply

Loving Vanquis

Breezy

Grade_A_Reject

claire6hy wrote: »

i just got accepted! shocked as my credit rating is apaulling, i get refused for everything!!
just going to spend £5-10 a month, and pay off in full, is that the best way to slowly boost your credit rating?

Vanquis update your credit file with a 0 (payment on time) every month whether you use the card or not. If you just want the card to boost your credit rating cut it in half and stick it in a drawer.

claire6hy

Grade_A_Reject wrote: »

Vanquis update your credit file with a 0 (payment on time) every month whether you use the card or not. If you just want the card to boost your credit rating cut it in half and stick it in a drawer.

wow really>??

in that case im soo not using it lol!!

KingPin_2

Just a update card arrived Friday all setup direct debit to take full balance each month

Customer services are really nice which is a bonus

darcyvuqua

hey guys how long does your card take to come after they ring and say your accepted i was accepted last week