V A N Q U I S

cherry6

Just interested to know.....which card would be the best one to apply for once you are established with Vanquis?

My problem is not bad debts but I have lived overseas for a few years, and only been back here just over a year, so no 3 year credit history for me.
I am Australian, which also doesnt help apparently.
Vanquis was the only lender to give me a credit card, which I have held for 7 months, I also have a debit card account with RBS. So how long do you think I should wait for applying again (just applied for RBS came back no) and which would be a good one to apply for next?

never-in-doubt

cherry6 wrote: »

Just interested to know.....which card would be the best one to apply for once you are established with Vanquis?

My problem is not bad debts but I have lived overseas for a few years, and only been back here just over a year, so no 3 year credit history for me.
I am Australian, which also doesnt help apparently.
Vanquis was the only lender to give me a credit card, which I have held for 7 months, I also have a debit card account with RBS. So how long do you think I should wait for applying again (just applied for RBS came back no) and which would be a good one to apply for next?

see page 1 here: The Sub Prime Credit Thread - Part IV

BugsyBrowne

i was wrong about mbna it was not a default it was arrangement to pay on a default or something along them lines.

never-in-doubt

star-fire wrote: »

i was wrong about mbna it was not a default it was arrangement to pay on a default or something along them lines.

Ok an A/P will last for no longer than the standard 6 year reporting period and will automatically drop off at the end of the arrangement with no record linked again.

Similarly, it would have bearing on any application. To be fair, an [A/P] marker on your credit report is derogatory but the least in the sense of "bad risk" - it shows you are trying to sort things out.

A Bankruptcy is worse
Then CCJ
then Default
Then A/P
Then late payments

with any of the above, 6 years is the normal reporting period afterwhich the entry should not and rarely is referred to - ever!

BugsyBrowne

right they bloody lied to me then,but they did say dont bother

TFD_2

star-fire wrote: »

i was wrong about mbna it was not a default it was arrangement to pay on a default or something along them lines.

star-fire wrote: »

TFD ive done a little bit of homework,i applied for flybe got turned down yes,my credit file is not the best dont know how exactly must be all the applications i make

This gets better and better:

Next to no homework....

And guess why you get turned down: BECAUSE YOU HAVE A !!!! CREDIT FILE!

SYCISFI

I hear there is a new card design for the Vanquis, is that the horrible ones on their site the lime, blue and red? or is it different.

I've just been accepted for a card and wanted to know if thats what you still get after reading about the new ones on here.

Thanks in advance

izools

The ones on the site are the new ones and what you recieve.

They are a damn sight better than the old ones!

selecta_c

izools wrote: »

The ones on the site are the new ones and what you recieve.

They are a damn sight better than the old ones!

Ahhhh........my first credit card,i'm getting all dewy eyed

SYCISFI

izools wrote: »

The ones on the site are the new ones and what you recieve.

They are a damn sight better than the old ones!

Thanks for your quick reply its appreciated

I have ordered the blue one and was happy with that until I heard all this about new designs lol

First ever credit card too!