The Sub Prime Credit Thread - Part V

sutton111

Innocent_Guy wrote: »

Welcome to your application Innocent_Guy.

We are delighted to inform you that your application form has passed our initial assessment and we will shortly be inviting you to attend Day 1 of your selection process, the Assessment Centre.

While you’re waiting, you can use this part of our website to start familiarising yourself with what will happen on Day 1, as well as the core competencies on which you will be assessed when you get there.

You may also wish to look at the following websites to find out more about the role of Special Constable:

Have you applied to be a plod?

samwsmith1

Does anyone know how long Vanquis take?
I applied on the 6th and it said that they couldn't make an instant decision and would be in touch.
It's my first card as I've only just turned 18 but want to build my credit history up early(so will be repaying what things I do buy in full).
But I did get an email off them with a credit agreement etc etc.
Edit: Quidco has tracked as well which said it only would for accepted applications.

ElkyElky

samwsmith1 wrote: »

Does anyone know how long Vanquis take?
I applied on the 6th and it said that they couldn't make an instant decision and would be in touch.
It's my first card as I've only just turned 18 but want to build my credit history up early(so will be repaying what things I do buy in full).
But I did get an email off them with a credit agreement etc etc.

It's the 8th today. There's only been 2 days since your application, patience little one! Things don't happen that quick.

Vanquis can take several weeks however if you're that impatient, try calling them and ask if a decision has been made yet.

stephane_2

samwsmith1 wrote: »

Does anyone know how long Vanquis take?
I applied on the 6th and it said that they couldn't make an instant decision and would be in touch.
It's my first card as I've only just turned 18 but want to build my credit history up early(so will be repaying what things I do buy in full).
But I did get an email off them with a credit agreement etc etc.
Edit: Quidco has tracked as well which said it only would for accepted applications.

As previously said it can take a few weeks and receiving the credit agreement by mail from Vanquis does not mean acceptance....

byebyedebt

sutton111 wrote: »

I applied for a Barclaycard today.

I got this -


Barclaycard Initial Credit Card Application

• Submit
• Decision

Sorry but we need more information before we can make a decision

Barclays website says
An Initial Credit Card could be right for you, if:

• You have limited credit history
• You earn more than £10,000 a year
• You're on the electrol roll at your current address

An Initial Credit Card will not be suitable for you, if:

• You are not yet 18
• You have been declared bankrupt
• You have had a CCJ or IVA register against you in the last 5 years
• You are already a Barclaycard customer

Does any of the above fit. Have you moved houses recently and therefore don't show on the currrent electoral role, etc, etc.

sutton111

byebyedebt wrote: »

Barclays website says

An Initial Credit Card could be right for you, if:

• You have limited credit history
• You earn more than £10,000 a year
• You're on the electrol roll at your current address

An Initial Credit Card will not be suitable for you, if:

• You are not yet 18
• You have been declared bankrupt
• You have had a CCJ or IVA register against you in the last 5 years
• You are already a Barclaycard customer

Does any of the above fit. Have you moved houses recently and therefore don't show on the currrent electoral role, etc, etc.

Yes all the above is fine. I haven't moved recently, i've lived at my current address for over 2 years, everything is up to date on my Equifax and Experian file. I have No CCJ's, and 1 satisfied default on Equifax from over 3 years ago.

Do you have any ideas?

stephane_2

If he had not complied with the minimum criteria then Barclaycard would have decline the application straight away and as Sutton said he is registered on the electoral roll

sutton111

stephane wrote: »

If he had not complied with the minimum criteria then Barclaycard would have decline the application straight away and as Sutton said he is registered on the electoral roll

Exactly! That's my thoughts.

samwsmith1

ElkyElky wrote: »

It's the 8th today. There's only been 2 days since your application, patience little one! Things don't happen that quick.

Vanquis can take several weeks however if you're that impatient, try calling them and ask if a decision has been made yet.

stephane wrote: »

As previously said it can take a few weeks and receiving the credit agreement by mail from Vanquis does not mean acceptance....

Lol true,
Thank you for your reply
Just seems like forever!

fairmorn308

Hi Guys

Sorry but havent had a chance to look thru the last few pages to see whats been happening.
I got a reply from my financial advisor and he said i can get a mortgage with 10% but best getting 20% to get alot better deal. so continue to save until xmas and then i will buy a house.

Kinda strange seeing my bank account in credit for many many years and savings