V A N Q U I S

never-in-doubt

Bosie wrote: »

I'll be honest I don't really understand how credit companies really work, so was surprised when they rang so soon. After the saga of Studio and their slowness I didn't expect that much. Incidentally 2 toasters have arrived:rolleyes: I set up a DD as I don't want to incur any debt and then later on try for a mainstream card.
Bo x

I thought you cancelled that bloody toaster ages ago :rotfl::rotfl::rotfl:

Sorry for confusion, basically you never got referred - you got an instant yes but they cannot confirm it to you out-of-hours so when they opened this morning (i.e. their systems synchronised with the CRA's) it generated the yes decision thus you got a fast call..... well done...

Anyone want a toaster for a fiver :rotfl::rotfl:

Bosie

never-in-doubt wrote: »

I thought you cancelled that bloody toaster ages ago :rotfl::rotfl::rotfl:

Sorry for confusion, basically you never got referred - you got an instant yes but they cannot confirm it to you out-of-hours so when they opened this morning (i.e. their systems synchronised with the CRA's) it generated the yes decision thus you got a fast call..... well done...

Anyone want a toaster for a fiver :rotfl::rotfl:

Thanks for explaining how it works, I should really apply in normal working hours!
Got a yes from Choice catalogue too with an £800 limit. Tried Freemans but later found out it was decline, strange really how it works. I cancelled the toaster but whatever happened got sent 2:D

x

sutton111

Bosie wrote: »

Thanks for explaining how it works, I should really apply in normal working hours!
Got a yes from Choice catalogue too with an £800 limit. Tried Freemans but later found out it was decline, strange really how it works. I cancelled the toaster but whatever happened got sent 2:D

x

Freemans are really bizarre. I applied for Grattan got accepted after a telephone call, then I tried Freemans 3 or 4 weeks later as they're the same company and I got declined.

Bosie

seeya23 wrote: »

got my Vanquis card today

Evening seeya have you any idea what your statement date will be? Want to christen mine with a new hair cut! Then use the up to 56 days to pay off the balance!
The apr doesn't bother me as I don't intend to give them any interest:D
x

Parki_2

Bosie wrote: »

Evening seeya have you any idea what your statement date will be? Want to christen mine with a new hair cut! Then use the up to 56 days to pay off the balance!
The apr doesn't bother me as I don't intend to give them any interest:D
x

Can I see the haircut ;p

Parki_2

never-in-doubt wrote: »

Bo, you got an instant yes then! That does make sense, you applied too late for the instant decision so when the systems went live (8-9am) you'd have been approved. That would explain it. By the way, that should mean you could try a mainstream... instant accepts are a good sign that your credit aint that bad!

Well done on 'V' by the way - welcome to the club (the same club sutton can't join lol)

sorry, knew you were a woman lol - just forgot my table manners! :eek:

Does that mean I can be mainstream then as I got an instant accept for Cap One and Flybe ;p

But Barclaycard and Aqua wont have me!

Bosie

Parki wrote: »

Can I see the haircut ;p

Yes, will just be between me and you Parki;)
Bo x

Parki_2

Oh of course hah! Swooooooooooon

never-in-doubt

Parki - you're the closet flirt! Anyone with a pulse and you go sniffing - hahaha

Brian / BigBum - eat your hearts out! Competition is rife on the sub prime threads! :whistle::whistle::whistle:

seeya23

my apr is 47.892% and cash is 53.952%