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Sub Prime Credit Thread Part II

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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    cifpower Posts: 6,502 Forumite
    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
    cifpower Posts: 6,502 Forumite
    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
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    They e-mail you the CCA when you apply online. My APR was 34.9% IIRC

    What's IIRC?
  • cifpower
    cifpower Posts: 6,502 Forumite
    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
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    What's IIRC?
    If i recall correctly
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    So you should be on by 1 April then
    Yes that's correct. I rang them to confirm.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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. :p
  • cifpower
    cifpower Posts: 6,502 Forumite
    TheEffect wrote: »
    I never received an email from them, nor a phone call.
    Did you check your junk folder?
This discussion has been closed.
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