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V A N Q U I S

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  • Noxs
    Noxs Posts: 54 Forumite
    Just applied for a Vanquis card!

    Wasn't auto declined, but need to wait 10-14 days. In the mean time going to get the template letter and stuff ready for appeal...
    Credit
    Halifax OD: £6750
    Vanquis CC: [STRIKE]£250[/STRIKE] £1,000
    Debt
    Mortgage: £78,500
    Student loan: £19,000
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Noxs wrote: »
    Just applied for a Vanquis card!

    Wasn't auto declined, but need to wait 10-14 days. In the mean time going to get the template letter and stuff ready for appeal...
    Do you have adverse?
    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
  • Noxs
    Noxs Posts: 54 Forumite
    No nothing like that, just little credit history and three searches from three months ago.

    However..........

    Just got a phone call from Vanquis and i've been accepted!!! :j:eek::j

    First credit card! :T

    I'd like to thank Never In Doubt for his help and advice in the "How to get back on the credit ladder" thread. Thanks mate! :p
    Credit
    Halifax OD: £6750
    Vanquis CC: [STRIKE]£250[/STRIKE] £1,000
    Debt
    Mortgage: £78,500
    Student loan: £19,000
  • young_victor_meldrew
    young_victor_meldrew Posts: 213 Forumite
    Went from £250 to £750!

    Wonder what the next "leap" is likely to be and when it will happen, apparently, you go from £750 to £1250....
    Official SOS Club number 011 - Dry until 17/11/2009
  • borders_dude
    borders_dude Posts: 1,974 Forumite
    The thing that annoys me about vanquis is you cant go online to view balances etc and make payments!

    capital one have it, and its dead handy!
    When dealing with the CSA its important to note that it is commonly accepted as unfit for purpose, and by default this also means the staff are unfit for purpose.
  • d123
    d123 Posts: 8,743 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    borders_dude wrote: »
    The thing that annoys me about vanquis is you cant go online to view balances etc and make payments!

    capital one have it, and its dead handy!

    I'm sure it is possible to get balances via an 0800 number with Vanquis.
    ====
  • borders_dude
    borders_dude Posts: 1,974 Forumite
    d123 wrote: »
    I'm sure it is possible to get balances via an 0800 number with Vanquis.

    Yeah you can call and get your balance.
    When dealing with the CSA its important to note that it is commonly accepted as unfit for purpose, and by default this also means the staff are unfit for purpose.
  • Aaron44
    Aaron44 Posts: 16 Forumite
    Hi guys,

    I applied for a Vanquis card 6 months ago and was declined (Wasnt on the E/R at the time)

    I reapplied today, which is 6 months to the day of the previous decline, and I got the response of 10-14 days, however no search is showing up on Credit Expert.

    Does anyone know whether they search your record immediately? It might be that it's still showing on their system as not being the total 6 months yet, and the application has been automatically deleted (Their account team say they do this if it's within 6 months!)

    Cheers
    Aaron
    Next : £615/£1500 // JD Williams : £23.40/£450 // Vanquis : £190/£250 // Cap1 ?

    Jacamo : £0/£150
  • sharpy2010
    sharpy2010 Posts: 2,471 Forumite
    borders_dude wrote: »
    Yeah you can call and get your balance.

    Well whats the number then?!
  • borders_dude
    borders_dude Posts: 1,974 Forumite
    Isnt it on your statment?

    I phoned up about three weeks ago. let me go get a statment for customer services, they can tell you your balance.
    When dealing with the CSA its important to note that it is commonly accepted as unfit for purpose, and by default this also means the staff are unfit for purpose.
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