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Sub Prime Credit Thread Part II

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  • GeenyWeeny
    GeenyWeeny Posts: 84 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    anyone know how long it takes from being accepted to receiving the vancquis card through the post?

    stupid here applied last thursday, got accepted yesterday..... and I'm moving house next friday!! arrgghhh.

    also do they send you a credit agreement to sign and send back? - i hope not
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Geenyweeny wrote: »
    anyone know how long it takes from being accepted to receiving the vancquis card through the post?

    stupid here applied last thursday, got accepted yesterday..... and I'm moving house next friday!! arrgghhh.

    also do they send you a credit agreement to sign and send back? - i hope not

    10-14 days. You will get a credit agreement that you need to sign.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Geenyweeny wrote: »
    anyone know how long it takes from being accepted to receiving the vancquis card through the post?

    stupid here applied last thursday, got accepted yesterday..... and I'm moving house next friday!! arrgghhh.

    also do they send you a credit agreement to sign and send back? - i hope not

    If you were informed by telephone you won't get an agreement to sign. You should get the card within 7-10 Days so it's cutting it close but you should be okay. Just. :D
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Vanquis are SLOW. I sent my application on the 23rd January and they're STILL doing credit checks. Ugh!
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    TheEffect wrote: »
    10-14 days. You will get a credit agreement that you need to sign.


    In my experience with Vanquis you do NOT get an agreement to sign if you were told over the telephone.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    sutton111 wrote: »
    In my experience with Vanquis you do NOT get an agreement to sign if you were told over the telephone.

    Ah. I was told if I was accepted, I'd need to sign a form and send it back to them. Maybe this is not the case.

    I know with Aqua, they sent me a credit agreement that I had to sign and return.
  • GeenyWeeny
    GeenyWeeny Posts: 84 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    sutton111 wrote: »
    In my experience with Vanquis you do NOT get an agreement to sign if you were told over the telephone.

    i remember ticking a box when applying online which means I accept the t&a's (same as if i were signing)? The lady on the phone didn't saying anything about signing an agreement.

    i think the card should get here in time - but not the pin number! - oh well, i guess I can still use in online without needing a pin.:D
  • cifpower
    cifpower Posts: 6,502 Forumite
    Morning team!
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Morning cif
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • kiora
    kiora Posts: 600 Forumite
    Part of the Furniture Combo Breaker
    Morning guys ITS SNOWING !!!!!!!!!!!!!!!!:D :D:D:D
    "In Italy for thirty years under the Borgias they had warfare, terror, murder and bloodshed but they produced Michelangelo, Leonardo da Vinci and the Renaissance.
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