Easiest credit card to get approved for after bankruptcy

digzz

dmg24 wrote: »

Why do you want a credit card? Surely the point of BR is to wipe out your debts and not get into debt again?

Well when your young ...you tend to do some dumb things with money. Now that i'm older...I'm a lot smarter....

hullight

digzz wrote: »

Well when your young ...you tend to do some dumb things with money. Now that i'm older...I'm a lot smarter....

Reeeeeally?

digzz wrote: »

I could'nt care less about high interest. I just want a credit card.

needalittlehelp

[FONT=&quot]I was declared bankrupt in May 2008, and currently I have:

All Saints Credit Card - [/FONT][FONT=&quot]APR 24.9%
[/FONT][FONT=&quot]Silver Credit Card - APR 24.9%
Vanquis Credit Card - [/FONT][FONT=&quot]APR 49%
[/FONT][FONT=&quot]
:j:j:j:j:j:j

[/FONT]

BugsyBrowne

needalittlehelp wrote: »

[FONT=&quot]I was declared bankrupt in May 2008, and currently I have:

All Saints Credit Card - [/FONT][FONT=&quot]APR 24.9%
[/FONT][FONT=&quot]Silver Credit Card - APR 24.9%
Vanquis Credit Card - [/FONT][FONT=&quot]APR 49%
[/FONT][FONT=&quot]
:j:j:j:j:j:j

[/FONT]

Wait until you start applying for the big mainstream lenders can't see them lending to you.Then again you just don't know.

digzz

Thejagman wrote: »

Are you still BR ..? If you are forget the whole idea as your BR can't have been a straight forward case if you got three years. I was BR in 2007 and got AD in 2008. Managed to get car finance in DEC 2008 then a mobile broadband ACC with orange in JAN 2009 but I had been with them for 12 years. Could not get a CC with any sub-prime providers untill last week, then Vanquis said yes on the second application.

Was the decision with Vanquis instant ?

digzz

needalittlehelp wrote: »

[FONT=&quot]I was declared bankrupt in May 2008, and currently I have:

All Saints Credit Card - [/FONT][FONT=&quot]APR 24.9%
[/FONT][FONT=&quot]Silver Credit Card - APR 24.9%
Vanquis Credit Card - [/FONT][FONT=&quot]APR 49%
[/FONT][FONT=&quot]
:j:j:j:j:j:j

[/FONT]

Was the decision with Vanquis instant ?

preable

[FONT=&quot] Vanquis Credit Card - [/FONT][FONT=&quot]APR 49%[/FONT]

Thejagman

digzz wrote: »

Was the decision with Vanquis instant ?

Not instant decision, I got a text the next day saying they would call me later that day. Call came, asked a few seurity questions and that was it.

Thejagman

preable wrote: »

[FONT=&quot] Vanquis Credit Card - [/FONT][FONT=&quot]APR 49%[/FONT]

I will not be paying Vanquis any interest at all :j:j

cuddlymarm

Hi

My OH was discharged last Feb and applied for a Vanquis card a couple of months ago. He was given a £250 limit which we clear every month. The only reason he has it is to rebuild his credit rating cos we want to buy a house for when we retire (well you can live in hope can't you)
It seems ridiculous that there are some places that really make life difficult for discharged BRs. My OH banks with the Co op yet they still won't allow him an ISA with them and after 8 months of them saying try again next month every month he went to the Chelsea and they opened an ISA without a problem. We haven't got much to save but its nice to even have a little emergency fund after years of panicking every time you got a flat tyre.

Cuddles:)