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Has anyone ever actually been declined by Vanquis? How did this tragedy come about and did they give you a straight no or prolong the agony and humiliation of it all ;)?
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  • I've been declined by Vanquis. I was accepted for a CC, overdraft and loan from First Direct a couple of weeks afterwards.

    Bloody weird.
  • I've been declined by Vanquis. I was accepted for a CC, overdraft and loan from First Direct a couple of weeks afterwards.

    Bloody weird.

    Well I'd imagine First Direct is way better. How long have you been with First Direct? Any idea why Vanquis turned you down? I'm very interested in First Direct myself but the thing is I already have a current account with HSBC
  • Mrs_Ryan
    Mrs_Ryan Posts: 11,834 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got turned down by Vanquis...

    I already have a credit card with Citi that isnt a sub-prime as such... I knew things must be bad when Vanquis turned me down!!! ha ha.
    *The RK and FF fan club* #Family*Don’t Be Bitter- Glitter!* #LotsOfLove ‘Darling you’re my blood, you have my heartbeat’ Dad 20.02.20
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    Me me! Pick me! #3 in the "declined by Vanquis" club.
    I'd been in the country only 2 months, and had nothing except a basic bank account to my name.
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • cally6008
    cally6008 Posts: 7,629 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    How long does it take to get a reply from Vanquis ? OH applied for Vanquis about 2 n half weeks ago and hasn't heard back from them yet
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Normally they would ring you within 5 days if successful, but tell him to give them a ring on 08007816314 option 3. HTH
  • cally6008
    cally6008 Posts: 7,629 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    cheers sutton, haven't had any house phone calls apart from CSL and he's not brilliant at keeping his mobile phone charged up.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cally6008 wrote: »
    cheers sutton, haven't had any house phone calls apart from CSL and he's not brilliant at keeping his mobile phone charged up.

    I would ask him to ring them, they do seem to be taking there time with applications the moment.

    Good Luck though. :)
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cally6008 wrote: »
    How long does it take to get a reply from Vanquis ? OH applied for Vanquis about 2 n half weeks ago and hasn't heard back from them yet

    When I applied i recieved the message of " Thank you for your application we need to review your application blah blah blah )

    I immediatly rung them and they said I had a provisional acceptance ( So I had to send ID ) Did that the same day via Special Delivery and had PPI call after 2 days!

    :)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Ammie
    Ammie Posts: 395 Forumite
    cally6008 wrote: »
    How long does it take to get a reply from Vanquis ? OH applied for Vanquis about 2 n half weeks ago and hasn't heard back from them yet

    I applied for Vanquis online on the 16th Feb, received a phone call 8 days later telling me I had been successful and trying to get me to take a cash advance as I would have to wait up to 14 days until I get the credit card. Naturally I declined, wasn't falling for that. Then they tried to sell me a repayment option plan which I also wasn't interested in. In the end just to shut her up I accepted a reduced 1p a month 3 months free trial deal which I plan to cancel.

    I got the credit card through the normal post last week, no special delivery. Ironically I only applied through Quidco to get the £25.00 cashback which validated. £25.00 for a card I don't intend to use, not too shabby for Ammie.
    Goodluck.
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