Sub Prime Credit Thread Part II

sutton111

TheEffect wrote: »

I phoned them today and they said they can't find anything at all regarding my information, so she applied again for me while I was on the phone and she said you've been declined.

In other news, I phoned Vanquis and they have told me the card and pin will be sent out within a few days, with a credit limit of £250 and APR of 39.9% (Ouch). I asked whether I need to sign a credit agreement, but she said the system doesn't show that one needs to be sent out, so maybe I signed the credit agreement when I applied online.

That APR for Vanquis is pretty good you know.

cifpower

TheEffect wrote: »

I phoned them today and they said they can't find anything at all regarding my information, so she applied again for me while I was on the phone and she said you've been declined.

In other news, I phoned Vanquis and they have told me the card and pin will be sent out within a few days, with a credit limit of £250 and APR of 39.9% (Ouch). I asked whether I need to sign a credit agreement, but she said the system doesn't show that one needs to be sent out, so maybe I signed the credit agreement when I applied online.

They e-mail you the CCA when you apply online. My APR was 34.9% IIRC

cifpower

sutton111 wrote: »

I haven't been. They want to see ID.
Did they send you a letter Effect?

They asked me for ID too. Probably because you are not on the ER

sutton111

cifpower wrote: »

They asked me for ID too. Probably because you are not on the ER

That's what i thought Cif.

I've sent the forms back today to the council for the Electoral Roll.

sutton111

cifpower wrote: »

They e-mail you the CCA when you apply online. My APR was 34.9% IIRC

What's IIRC?

cifpower

sutton111 wrote: »

That's what i thought Cif.

I've sent the forms back today to the council for the Electoral Roll.

So you should be on by 1 April then

cifpower

sutton111 wrote: »

What's IIRC?

If i recall correctly

sutton111

cifpower wrote: »

So you should be on by 1 April then

Yes that's correct. I rang them to confirm.

TheEffect

cifpower wrote: »

They e-mail you the CCA when you apply online. My APR was 34.9% IIRC

I never received an email from them, nor a phone call.

sutton111 wrote: »

That APR for Vanquis is pretty good you know.

My Aqua card is 35.9%, so it's a little better then Vanquis's 39.9%. If I ever carry over a balance, it'll certainly be with Aqua and not Vanquis.

cifpower

TheEffect wrote: »

I never received an email from them, nor a phone call.

Did you check your junk folder?