Vanquis Increases / Statements

dane-katie

Oooh i should be able to apply for a vanquis card in about 6 months lol

Just cleaning my credit file up after bankruptcy, was discharged last novemeber, but to be honest i have about 10 defaults which will be 18 months old now (when fully corrected on my file)

So im guessing i would just be declined anyways lol

Do you think it would be a good idea getting one of those prepaid cards which helps build your credit?

Thanks

never-in-doubt

Prepaid that you pay for (i.e. cashplus builder thing) is a waste of money - wait til the defaults are gone then apply to vanquis as they will most likely say no so soon after b/r.

remember you aint out the woods yet, most credit app's ask if you've ever been made b/r in the past - when you answer yes it will still hold against you for a few years..... you may get vanquis and sub priime but mainstream is that i'm afraid, far away on the horizon......

doelani

Vanquis have just increased my limit form £1250 to £2000 :eek:

Pity it is 50%+ interest and I ahve no intension of using it lol Just paid the £60 I owed them and once cleared will be closing the account lol

Innocent_Guy

doelani wrote: »

Vanquis have just increased my limit form £1250 to £2000 :eek:

Pity it is 50%+ interest and I ahve no intension of using it lol Just paid the £60 I owed them and once cleared will be closing the account lol

I think I am still waiting an increase....... Oh well.

maybe because I changed my address?

Not to concerned, maybe me only spending about £50 a month on it causes the probs.

christhesparky_2

Innocent_Guy wrote: »

I think I am still waiting an increase....... Oh well.

maybe because I changed my address?

Not to concerned, maybe me only spending about £50 a month on it causes the probs.

How long have you had the card? My limit was raised after my third statement

Innocent_Guy

christhesparky wrote: »

How long have you had the card? My limit was raised after my third statement

About 5 months?

christhesparky_2

that seems a strange one, unless you are not considered sub prime enough for one!!!

cifpower

My first increase with Vanquis was after 7 months and then again after 6 months

sscott5581

doelani wrote: »

Vanquis have just increased my limit form £1250 to £2000 :eek:

Pity it is 50%+ interest and I ahve no intension of using it lol Just paid the £60 I owed them and once cleared will be closing the account lol

How long have you had the card?

Regards

never-in-doubt

Innocent_Guy wrote: »

About 5 months?

Thats strange mate but they will probs do it after 7 - seems that most people get one by their 7th statement. I did post all the dates ages ago but can't remember! lol