V A N Q U I S

gazelle8760

seeya23 wrote: »

I got turn down but got cap one apr @ 34.9%

Hi

Glad you got your Cap One Card, I think you will find that the APR will start to slowly reduce the more you use the card, and the more payments you make. I think mine started at that rate, and I have had my Tiger Card since March 03, now it is down to 23.4% APR, and my limit has gone from £200 to £1600, and since taking this card, I have also now two cards with Lloyds TSB and Nationwide.

I did have a few defaults and two CCJs when I took out the Cap One card, through no fault of my own, went through bad financial problems trying to keep two homes running, both here and in the US, and things suffered, but Cap One gave me the chance, and now my bad credit seems to be down to one default, the rest has vanished.

Of course, this does not match to EASTERNTHUNDERUK Who obviously should now be dead, as he has reached his height of perfection, I guess once you strive for perfection,there is nothing else left for you, I have known people like this before who have strived for nothing but perfection, drove themselves in the nut house in the end with it all, as nothing else in life mattered, just perfection, so with a bit of luck, he will be able to afford to pay for his "Indefinate" stay at the Priory, with his perfect Platinum AMEX, with no pre-set spending limit, which I am sure will come in handy, when the psychiatrist needs paying. He needs to remember one point, the higher the monkey climbs, the more it shows it's !!!!, and I'm sure there is a whole forum of people just waiting to catch him (not) when he has that great big fall. I wish you all, apart from him, the best of luck in your findings, with your new cards.

centas

hi everyone

got my capital one this week, with £100 limit, got turned down by aqua. now am waiting for reply from Vanquis. Submitted the form a week ago, so far nothing from them, dont even have any kind of reference number. Any idea how long they usually take to gett back to you?

p.s. i do have patience, just wondering

never-in-doubt

centas wrote: »

hi everyone

got my capital one this week, with £100 limit, got turned down by aqua. now am waiting for reply from Vanquis. Submitted the form a week ago, so far nothing from them, dont even have any kind of reference number. Any idea how long they usually take to gett back to you?

p.s. i do have patience, just wondering

Vanquis can take upto a month so bear with them.... everything is manually assessed that is why it is slower.

centas

never-in-doubt wrote: »

Vanquis can take upto a month so bear with them.... everything is manually assessed that is why it is slower.

heh, thanks for the reply)) crazy that they are still so old fashioned in terms of technology)

freeoffers

I applied for a vanquis last year and was turned down so i applied again 6 months later and they gave me a card with £250 limit but it hasnt been uppped yet and ive had card 6 months. i'm glad they havent, if they upped the limit id just spend on it.

joeandy

i applied for a card last thursday and they called me the next night. received my card today with £500 limit.
maybe some are lucky and their applications get dealt with more quickly
jo

TheEffect

4th statement produced. Still £250 limit. Neither Aqua or Vanquis upped my limit on my 4th statement.

never-in-doubt

TheEffect wrote: »

4th statement produced. Still £250 limit. Neither Aqua or Vanquis upped my limit on my 4th statement.

Vanquis don't work on 4th statement date but 4th month from date of card issuance mate...... :beer:

leemuddywaters

Hi everyone, I applied for a vanquis card around three weeks ago. I just phoned them this morning to ask how my application is going, they said they just need me to send proof of identity ie passport or driving license and also a utility bill with my address on it.

Is this normal? Also what do you think my chances are if they are asking for this.

Thanks!

never-in-doubt

leemuddywaters wrote: »

Hi everyone, I applied for a vanquis card around three weeks ago. I just phoned them this morning to ask how my application is going, they said they just need me to send proof of identity ie passport or driving license and also a utility bill with my address on it.

Is this normal? Also what do you think my chances are if they are asking for this.

Thanks!

Yes normal if you're not electronically verified, i.e. missing from electoral register. Regards to getting it, very high chance or they'd have just said no.