Seething Angry With Capital One

richessex

so much for aqua helping you rebuild your credit history


declined

now sitting here fingers crossed for the vanquis card


nobody seems to be looking at my recent perfect credit history

just old defaults on file

VenuS

Applying for new credit won't help you right now, as your score will decrease on each credit report search. If you've applied to C1(again), VanQ, and Aqua, thats 3x searches, and your score will have plumitted.

My advice is to sit tight, and wait 6 months. Give your score some time to recover as new lenders will like this. With what you have said in your posts, you don't seem as though you 'need' credit, other than to repair your credit history.

See what C1 have to say, but if they still refuse then take it from me, your better off without them. They are about as useful as wet toilet roll.

Jo_Mack

I feel i need to agree with Venus. If you pay everything straight away and you have a couple of grand savings surely your credit rating will improve the longer you can manage without credit cards?

mani99

I think you're better off without C1, they are a joke. Ive got a card with them at the moment, had it well over a year. Went over my limit (caused by the interest that THEY charged) and was smacked with a fee. When I called them there weren't the most helpful of people. Going to pay of the card and close my account in the next few months.

Aqua don't give much credit, been with them for well over a year now too and they wont budge for £350 limit. Planning to close that account too.

Vanquis is the best card I have at the moment. £2k credit limit and were very helpful when I got into a bit of financial difficulty.

jojo1978_3

mani99 wrote:

I think you're better off without C1, they are a joke. Ive got a card with them at the moment, had it well over a year. Went over my limit (caused by the interest that THEY charged) and was smacked with a fee. When I called them there weren't the most helpful of people. Going to pay of the card and close my account in the next few months.

Aqua don't give much credit, been with them for well over a year now too and they wont budge for £350 limit. Planning to close that account too.

Vanquis is the best card I have at the moment. £2k credit limit and were very helpful when I got into a bit of financial difficulty.

I think you'll find that they don't whack a fee on, if its the interest that takes you over the limit, but if you don't pay it asap then they will apply the fee, some thing like 2 weeks later.
Hope that helps

wpg_2

Having read all the problems relating to this card with deposit I do not feel so alone. I was originally assured that the card would be reviewed after 7 months and after much more than this I asked why mine hadn`t. I was fobbed off time after time and so decided to pay off the card in full and asked for my deposit to be refunded as well stopping payments by direct debit. I wrote via customer services complaints with assurances that I would receive a reply within 5 days:rolleyes: . Then after 10 days having cleared the account etc. they inform me that they have stopped my direct debit instructions! I am still waiting for my deposit back and the only reply to my complaint tells me that they will get back to me in four weeks. I have no CCJ`s, a mortgage and a private income. A friend with CCJ`s applied to `test the water` and guess what - yes he and his partner both have cards with no deposit and £200 credit limit. Awaiting the next installment from C1 - wpg