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  • Insomniscene
    Insomniscene Posts: 45 Forumite
    I've applied for a card - they said they couldnt let me know straight away but will get back to me in ten to fourteen days. At least its not a straight decline, right?
    October 2014 challenge: £111.44/310
    November 2014 challenge: £106.62/300
    Missing December out - see you all in January
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    Insomniscene wrote: »
    I've applied for a card - they said they couldnt let me know straight away but will get back to me in ten to fourteen days. At least its not a straight decline, right?

    They do that with a lot of people to be honest.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • indigowarrior
    indigowarrior Posts: 745 Forumite
    I got accepted today. I was surprised. They said they would ring me and fair dos they did. (I want it to build up my credit)
    Whats wrong with a cash advance?
    No Spend November 2/15 and SPC 134
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    indigowarrior wrote: »
    I got accepted today. I was surprised. They said they would ring me and fair dos they did. (I want it to build up my credit)
    Whats wrong with a cash advance?
    You get charged an even higher interest rate from normal. It doesn't look good on your credit report to have been taking cash advances. You accrue interest from the day you borrow the money, even if you pay it off in full on your statement.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • NPowerUser
    NPowerUser Posts: 409 Forumite
    Mortgage-free Glee!
    Received my invitation today to increase my credit limit from £1000 to £1750 without asking.

    Taken about 2 years I reckon but I have always paid the card off in full every month and never paid any interest.

    In June I overpaid my card by £900, as I had about £1800 worth of purchases on my card in July (holiday etc).

    Whether my heavy spending in July prompted the invitation, who can tell, but I will only ever use this card if I can pay it off in full every month.

    Not the ideal card for everyone but it suits me. Thank you Vanquis.
  • Pincher
    Pincher Posts: 6,552 Forumite
    1,000 Posts Combo Breaker
    Just got an application form for a Vanquis Bank VISA.


    I don't think this has ever happened before.
    Do I look financially distressed on a credit report?


    Is there a CCJ against me I don't know about?


    Surely having a Vanquis card showing on my credit report is like dating someone breaking out with the Ebola virus? I'm not even going to throw the application form in the bin, in case "they" are building a profile on me. Burn it, I think.
  • KxMx
    KxMx Posts: 11,123 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just been accepted for a Debenhams Mastercard after being with Vanquis for two years, and keeping my account in good order- paid in full every month.

    I'm far from the only person on this forum to be with Vanquis for a few years and then get something better.
  • TherealMandM
    TherealMandM Posts: 143 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Pincher wrote: »
    Just got an application form for a Vanquis Bank VISA.


    I don't think this has ever happened before.
    Do I look financially distressed on a credit report?


    Is there a CCJ against me I don't know about?


    Surely having a Vanquis card showing on my credit report is like dating someone breaking out with the Ebola virus? I'm not even going to throw the application form in the bin, in case "they" are building a profile on me. Burn it, I think.

    Except no lenders see the name of any credit providers
  • Pincher
    Pincher Posts: 6,552 Forumite
    1,000 Posts Combo Breaker
    matmidgley wrote: »
    Except no lenders see the name of any credit providers


    I just checked my Noddle Credit Report. It lists the credit card providers by name, along with payment history for each, as well my mortgage lender and current account banks.


    Are you saying the version the lenders get have the names redacted?
  • TherealMandM
    TherealMandM Posts: 143 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Yes all they see is type of credit, loan or credit card etc. not who provides it
This discussion has been closed.
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