Vanquis

norathetiger

:eek:

Waves to all,

Anybody help ? Friend applied for the card yesterday online and at the end was inform they would be in touch.
Declined or is that normal for Vanquis?

Many Thanks

.1xp

Pretty normal really

alfred64

But there are several vanquis threads already on here. You could have asked on a number of them - or the sub prime thread -rather than starting a new one.

izools

Either way it's near as makes no difference unheard of for Vanquis to give an instant decision.

Don't let your friend spend more than s/he can afford to repay in full each month and do your best to ensure they do just that - this is not a card to be used for borrowing! The interest is abominable and this car should only be used to build up a positive credit history and repaid in full each month.

Good luck to your friend

-You may find the "Sub Prime Credit Thread" useful for future queries you may have relating to sub prime products, come join us :beer:

norathetiger

Many Thanks for the information:EasterBun

sharpy2010

izools wrote: »

Don't let your friend spend more than s/he can afford to repay in full each month and do your best to ensure they do just that - this is not a card to be used for borrowing! The interest is abominable and this car should only be used to build up a positive credit history and repaid in full each month.

You see, I don't actually think that this is the case. Vanquis give, in the grand scheme of things, pretty low limits. My card usually has a balance on it, but even if I maxed it out (£500 limit, which I don't) the interest wouldn't be crippling..

It wouldn't be money saving, but it also wouldn't be financially devastating either.

paulmcerlean

norathetiger wrote: »

:eek:

Waves to all,

Anybody help ? Friend applied for the card yesterday online and at the end was inform they would be in touch.
Declined or is that normal for Vanquis?

Many Thanks

There is no shame in getting a Vanquis - it has helped many build or repair a credit history.

Pass that on to your...friend.