V A N Q U I S

ASL

Can someone please tell me what U means on my credit file. This is next to one of the companies on my experian file > Staus History 000000U <<<

Thanks

vintagegirl

ASL wrote: »

Can someone please tell me what U means on my credit file. This is next to one of the companies on my experian file > Staus History 000000U <<<

Thanks

not updated,

MorrisonsEmployee

I feel part of the human race again! Just had another call from Vanquis and have been accepted after a few glitches earlier!!:j Was offered a cash advance which I declined but took out the payment protection - I couldn't bring myself to say no incase they withdrew the offer:o :rotfl:

Huge thank you to everyone that posts in this thread for all the information and help and helping yet another person start to get their credit rating in order:T

kilasuit

MorrisonsEmployee wrote: »

I feel part of the human race again! Just had another call from Vanquis and have been accepted after a few glitches earlier!!:j Was offered a cash advance which I declined but took out the payment protection - I couldn't bring myself to say no incase they withdrew the offer:o :rotfl:

Huge thank you to everyone that posts in this thread for all the information and help and helping yet another person start to get their credit rating in order:T

definatly cancel the ppi as if you need it you can get it cheaper elsewhere

plus not accepting it isnt a reason to withdraw their offer of credit to you

SnowTiger

kilasuit wrote: »

definatly cancel the ppi as if you need it you can get it cheaper elsewhere

And a Vanquis customer shouldn't need PPI anyway because it's madness not to pay the full balance off each month.

ASL

MorrisonsEmployee wrote: »

I declined but took out the payment protection - I couldn't bring myself to say no incase they withdrew the offer

Cancel the PPI tomorrow. You don't need it.
They have asked me 3 or 4 times. I just stand my ground and politely say no thanks.

ASL

MorrisonsEmployee wrote: »

I feel part of the human race again! Just had another call from Vanquis and have been accepted after a few glitches earlier!!:j Was offered a cash advance which I declined but took out the payment protection - I couldn't bring myself to say no incase they withdrew the offer:o :rotfl:

Huge thank you to everyone that posts in this thread for all the information and help and helping yet another person start to get their credit rating in order:T

How much did they offer you, on the cash advance.

Russe11

ASL wrote: »

How much did they offer you, on the cash advance.

20% of your limit is the max cash advance your allowed per day, might be the same?

MorrisonsEmployee

So if I pay my balance in full every month the PPI charge won't kick in anyway will it?! But I will take your advice and cancel it. They offered me a £400 cash advance so I'm assuming my limit will be £500?! To be honest though I couldn't care if my limit was 50p just happy to have the chance to rebuild my credit. I have also set up a DD for the full amount each month.

ASL

MorrisonsEmployee wrote: »

So if I pay my balance in full every month the PPI charge won't kick in anyway will it?! But I will take your advice and cancel it. They offered me a £400 cash advance so I'm assuming my limit will be £500?! To be honest though I couldn't care if my limit was 50p just happy to have the chance to rebuild my credit. I have also set up a DD for the full amount each month.

You'll be looking at at least £500.

My limits only £250 But like you I'm pleased to have a card again sign up to evanquis when you get the card, its free and cancel paper statements