V A N Q U I S

Brian1966

never-in-doubt wrote: »

Oh god - here we go again - lol :rotfl::rotfl:

One day..I will write my autobiography...be interesting reading :rotfl:

Charlie_Farley_2

Hey fellas, applied for Vanquis CC a few weeks ago and got the request for further identification documents this morning - this is more of a general question, but because it's proof of address only, will the first page of a bank statement be enough rather than all pages including the transactions?

Cheers.

cifpower

I'm sure the first page would be enough but I have always sent in the full thing in the past when asked just so they can satisfy themselves it is a real thing.

bigup7

never-in-doubt wrote: »

Cap1 increase after 6mths

i take it they only increase if you use it every month? had my cap1 card since Nov 2007 and still no increase. Mind you i have not used it for some months..

seeya23

bigup7 wrote: »

i take it they only increase if you use it every month? had my cap1 card since Nov 2007 and still no increase. Mind you i have not used it for some months..

why phone them up and ask for one

bigup7

seeya23 wrote: »

why phone them up and ask for one

i may just do that!

just to understand it better, the more credit they give me, does this increase my credit score?

lilian1977

I have a Vanquis question that may be answered in this thread but I can't find it.

I have had a card over a year, and yet neither Equifax or Experian show any record of it. I did once hear that it will only register on the record if there is a missed payment - is this true?

bigup7

lilian1977 wrote: »

I have a Vanquis question that may be answered in this thread but I can't find it.

I have had a card over a year, and yet neither Equifax or Experian show any record of it. I did once hear that it will only register on the record if there is a missed payment - is this true?

i dont have a Vanquis card but i do have a Capital One card and that has appeared on my credit report and i have NOT missed any payments, i have always payed in full.

kilasuit

lilian1977 wrote: »

I have a Vanquis question that may be answered in this thread but I can't find it.

I have had a card over a year, and yet neither Equifax or Experian show any record of it. I did once hear that it will only register on the record if there is a missed payment - is this true?

in response no

i've had mine since april this year and it is on equifax and experian but as of yet not on my call credit report.

ring them and ask if theres any reason that yours isnt reported to the CRA's and request that they then report it from the initial date of getting the card with them i.e. backdate (which they may or may not do but is still worth the ask as this will significantly improve your credit report as it shows good credit management)

I'd state that the non reporting of this account to the CRAs is detrimental on your report and wish for it to be updated asap

TheEffect

Made some payments today.

Vanquis was £119 - now £0
Aqua was £220 - now £170
CapitalOne was £80 - now £0

Just got to pay off £170 to aqua then I'm credit-card debt free.