Rebuidling credit - which card should we get AFTER a Vanquis card?

conker89

Hi all,

My partner and I are working to improve our credit in order to buy a house. For the last year she has had a Vanquis, paid every bill in full on time and now has a nice gold card with a £1500 limit, as such I was wondering whether or not it is time to move to a more main stream card?

If so, which one is the natural progression from Vanquis?

PNPSUKNET

What other negative history is there, defaults, ccjs or missed payments showing in the last 6 years?

seeya23

she could try flybe card

conker89

PNPSUKNET wrote: »

What other negative history is there, defaults, ccjs or missed payments showing in the last 6 years?

She doesnt have bad credit, she has mobile phone contracts and the odd store card etc which are all up to date. The problem at the time I think was that she had very little credit and so Vanquis seemed the best option. We would like to move it on now as at the moment the pressure is there if you spend to repay the entire balance each month to avoid the 39.9% APR. Ideally if a big purchase was required, cooker breaks etc etc she could put it on a new card with a lower rate and not be punished too much for paying it off over 2-3 months instead.

Any suggestions?

seeya23

seeya23 wrote: »

she could try flybe card

as i was saying befor try flybe card the apr is a lot lower 16.9%apr and it is a easy card to get


www.flybe.com/card/default.htm

CLAPTON

conker89 wrote: »

She doesnt have bad credit, she has mobile phone contracts and the odd store card etc which are all up to date. The problem at the time I think was that she had very little credit and so Vanquis seemed the best option. We would like to move it on now as at the moment the pressure is there if you spend to repay the entire balance each month to avoid the 39.9% APR. Ideally if a big purchase was required, cooker breaks etc etc she could put it on a new card with a lower rate and not be punished too much for paying it off over 2-3 months instead.

Any suggestions?

better to save up for predictable situations like things breaking rather than plan to rely on credit.