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VANQUIS and Credit Limit Raises

13567

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Hey Proliant / Cifpower could you please tell me what it was like? I assume there is a thread somewhere regarding this.......
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    Hey Proliant / Cifpower could you please tell me what it was like? I assume there is a thread somewhere regarding this.......
    I applied back in 2007 and was declined. I sent in an appeal letter and got one back asking for 3 months of bank statements. I duly sent them of and a few weeks later a shiny brown Visa card dropped through my letterbox.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    I applied back in 2007 and was declined. I sent in an appeal letter and got one back asking for 3 months of bank statements. I duly sent them of and a few weeks later a shiny brown Visa card dropped through my letterbox.

    Cool, what naughties do you have on your file?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    Cool, what naughties do you have on your file?
    I have one default on my Equifax file and a hell of a lot of searches on my Experian file which are one by one dropping off
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    I have one default on my Equifax file and a hell of a lot of searches on my Experian file which are one by one dropping off

    I have loads of searches aswell....... :rotfl: :rotfl:
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I have loads of searches aswell....... :rotfl: :rotfl:

    Have you sent your S.A.R off yet?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Have you sent your S.A.R off yet?

    I was supposed to but have been on the phone to experian all day re another incorrect linked address. I have the template letter from NID I just need to post them out. I will DEFFO do this tommorow.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    He said it will cost only £2 for CRA's but I have been reading around and alot of people send £10 to Experian and Equifax. So before you send it double check the correct fee.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    He said it will cost only £2 for CRA's but I have been read around and alot of people send £10 to Experian and Equifax. So before you send it double check the correct fee.

    Yeah I will do. I need to confirm all of the addresses. I think they are on the sub prime thread around page 140 so I'm going to have another look, confirm and send them all recorded delivery
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sscott5581
    sscott5581 Posts: 663 Forumite
    Part of the Furniture 500 Posts
    Innocent_Guy wrote: »
    Do you mind if I ask how you run your account?

    * Use of card
    * Cash withdrawals??

    I think the up your limit depending on your behavior score i.e how you use the card

    Hi

    I only use the card for a couple of small purchases per month. Never use for cash withdrawls as interest is charged from day of withdrawl and at 41% would be quite high.
This discussion has been closed.
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