V A N Q U I S

BugsyBrowne

Vanquis are that easy to get they would even consider people who don't exist.
Unfortunately getting accepted for a Vanquis card does not mean your credit is much better, it just means you are in the lowest league possible when it comes to credit cards and at the foot of the table.

But use it wisely and you will see the benefits later on...

MorrisonsEmployee

star-fire wrote: »

Vanquis are that easy to get they would even consider people who don't exist.

Which is why they often ask for ID to prove that the person does exsist. I don't believe for one minute that even Vanquis are that careless when it comes to issuing cards - As this thread proves with many people saying they have been declined cards.

only_mee

star-fire wrote: »

Vanquis are that easy to get they would even consider people who don't exist.

:rotfl::T
..............

ASL

SnowTiger wrote: »

Perhaps you haven't used better online billing systems offered by other credit card companies.

As someone else has highlighted, eVanquis doesn't tell you your APR; it doesn't list pending transactions; and making a payment is difficult if you use a pop up web browser blocker.

It shows you your available credit after each transaction. My credit limit is only £250, if I spend say £30 in ASDA then check online the moment I get home it shows £220 available.

SnowTiger

ASL wrote: »

It shows you your available credit after each transaction. My credit limit is only £250, if I spend say £30 in ASDA then check online the moment I get home it shows £220 available.

Yep, as I said, it doesn't list pending transactions.

rodrigopr84

I have 3 defaults(from 2007), one unsettled and I was accepted £250 credit.

BugsyBrowne

rodrigopr84 wrote: »

I have 3 defaults(from 2007), one unsettled and I was accepted £250 credit.

Vanquis lending criteria.If you answer yes to questions below go ahead and press APPLY
1,Can you sign your name yes/no
2,Can you breath yes/no
3,Are you human yes/no
4,Has there been a stage in your life when bills are meant to be payed and you have said bollox I aint paying yes/no
5,Have you been turned down for basically everything else that involves someone trusting you with money yes/no
6,Defaults yes/no
7,Bankruptcy yes/no
8,Applied for mainstream cards and been told pi*s off yes/no

alfred64

MorrisonsEmployee wrote: »

Which is why they often ask for ID to prove that the person does exsist. I don't believe for one minute that even Vanquis are that careless when it comes to issuing cards - As this thread proves with many people saying they have been declined cards.

Star fire was not being serious when he suggested they issue cards to non existent people.
He was being a little sarcastic towards vanquis. It does often seem they hand the cards out willy-nilly.
Many people get further into debt with increased problems due to the punitive interest rate on vanquis cards. So , as star fire advises, use the card VERY wisely.
Build up your rating - this will take time - then get a better card and ditch vanquis.

yellowmonkey

star-fire wrote: »

Vanquis lending criteria.If you answer yes to questions below go ahead and press APPLY
1,Can you sign your name yes/no
2,Can you breath yes/no
3,Are you human yes/no
4,Has there been a stage in your life when bills are meant to be payed and you have said bollox I aint paying yes/no
5,Have you been turned down for basically everything else that involves someone trusting you with money yes/no
6,Defaults yes/no
7,Bankruptcy yes/no
8,Applied for mainstream cards and been told pi*s off yes/no

I answer Yes to all of them but I was declined

MorrisonsEmployee

Ok just a little advice for the past 3 years i have not been accepted for anything!:eek:However dealing with some of my previous debts has obviously helped as i have been accepted for the Vanquis card, Got a 24 month mobile contract and just today applied for a 'Very' account [Previously declined] and given £150 account limit.

I assume the above is meaning that whilst still bad my credit rating is improving - I do not want to use the Very account but want to know if it will still report to my credit file or not if it remains unused? Thanks:)