V A N Q U I S

RICK..._2

thanks mate.

I'm now part of the vanquis family! Whats the best way i should run the account? I was thinking of paying my weekly shop on it then just clearing it at the end of the month?

Aaron44

Welcome!

That is indeed the best way as far as reducing the risk of having to pay interest charges, but not necessarily the best way if you want to get a limit increase further down the road.

I've been managing mine by using it for fuel and food, then paying a large chunk off each month but leaving a balance to ensure they're making a bit of money off me. Im hoping it will stand me in good stead in the future.

RICK..._2

That makes sense, cheers. Will probably do the same!

elfen

I've been putting the odd bits and bobs and then my shopping on it. Still waiting for my first statement though. If it doesn't turn up tomorrow, I'll give them a bell and find out where it is.

never-in-doubt

elfen wrote: »

I've been putting the odd bits and bobs and then my shopping on it. Still waiting for my first statement though. If it doesn't turn up tomorrow, I'll give them a bell and find out where it is.

Just ring (free) 0800 7816314 and press option 2, enter card number and security pin then press option 2 again and 2 again for statements.

It will then tell you the date of your statement.

naijapower

I have just noticed they have changed their online application form requirements. Apologies if this has been raised here already.

In the past, the info they ask for is normally limited and small but the form seems to be in line with other major card application form.

chickencurry

I recently got refused for Vanquis card because of info obtained from Equifax or Experian, cant remember which and also been refused on Aqua. Dont understand why, I am on electrol roll, have been for years, and have 3 defaults on Credit file, all about 5 yrs old. Also have catalogue and bank account on there that I have always paid on time and it has lots of 0000000000000000 next to it. Feel like giving up, just wanted a card to use sensibly to prove I can be trusted now. I'm so depressed about all of this and don't know why I wasnt accepted for one of these cards?

lifesuckssometimes

chickencurry wrote: »

I recently got refused for Vanquis card because of info obtained from Equifax or Experian, cant remember which and also been refused on Aqua. Dont understand why, I am on electrol roll, have been for years, and have 3 defaults on Credit file, all about 5 yrs old. Also have catalogue and bank account on there that I have always paid on time and it has lots of 0000000000000000 next to it. Feel like giving up, just wanted a card to use sensibly to prove I can be trusted now. I'm so depressed about all of this and don't know why I wasnt accepted for one of these cards?

Time is a great healer also dont be seen to be too desperate for credit as it can work against you also too many credit accounts can affect your credit score..

elfen

Never knew that NID, thank you. Well it turned up Thursday, so my statement date is the 21st or around there

never-in-doubt

chickencurry wrote: »

I recently got refused for Vanquis card because of info obtained from Equifax or Experian, cant remember which and also been refused on Aqua. Dont understand why, I am on electrol roll, have been for years, and have 3 defaults on Credit file, all about 5 yrs old. Also have catalogue and bank account on there that I have always paid on time and it has lots of 0000000000000000 next to it. Feel like giving up, just wanted a card to use sensibly to prove I can be trusted now. I'm so depressed about all of this and don't know why I wasnt accepted for one of these cards?

Hold fire with the app's - after 6 years (from original default date) then entry will drop off and be gone forever at which point you'll find credit a little easier to obtain.

Just hold fire for the 6 year period....