Vanquis card

shazbo

Hi everyone, not been on for a while, needed a break from the whole BR thing

Last night i applied for a vanquis card online (its been almost 2 months since our discharge) i got a message after the 'minute' to say they would contact me within 10-14 days for more info, well they rang at 8.10 this morning! I have been approved, i am very surprised it was this easy though if im honest, although i am also pleased they accepted me, rejections are so costly to the credit rating:cool:

Anyway, the only problem being I completely forgot to see if i could apply through Quidco, I checked this morning and if i had have done I would have got £25 cashback!!!!

Please think about this if you are applying, I am so damn cross with myself now!!!

dojoman

Well done, thanks for letting us know about Quidco as well.

philnicandamy

well done! :j

(and nice to see you back!)

laurah159

Great news! Congratulations!

One question... Were you a Vanquis customer before the BR? Just asking because I had a card with Vanquis which was declared in my BR (only about £400 on it). I will be keen to repair my credit once I am discharged!

davetheman

I have been discharched nearly a year now, I applied about a month ago and got the same message after the 'minute' to say they would contact me within 10-14 days for more info. I did not get approved, however I did have a Vanquis card included in my BR

villan68

I applied on-line about a month after my discharge from BR, after a brief phone call about 2 days later i was accepted. Was quite surprised... thought it may take a while longer before i was even considered for credit.

shazbo

laurah159 wrote: »

Great news! Congratulations!

One question... Were you a Vanquis customer before the BR? Just asking because I had a card with Vanquis which was declared in my BR (only about £400 on it). I will be keen to repair my credit once I am discharged!

Hi
Vanquis were not one of our creditors, it probably does make a difference for a while, capital one are advertised as good for credit file clean up but they were one of our creditors so i wouldnt have tried them

dojoman

Hi shazbo, did you clean up your credit files before applying for this card?

Laurabow

Well done. I have just received my granite card (the new cc by vanquis), and am waiting for my pin to come through.

I have never been declared bankrupt but have a CCJ and several defaults so no-one would touch me either. I am just pleased I get this chance to rebuild my credit.

I don't think I'll be eligable for mainstream credit until 2014 when the CCJ falls off my file though, but surely every little helps in the meantime?

shazbo

dojoman wrote: »

Hi shazbo, did you clean up your credit files before applying for this card?

Hi dojoman, no i havent started that yet, i am waiting 3 months as advised, I dont know why i applied really i was going to wait a while but it turned out ok in the end:D

shazbo

Laurabow wrote: »

Well done. I have just received my granite card (the new cc by vanquis), and am waiting for my pin to come through.

I have never been declared bankrupt but have a CCJ and several defaults so no-one would touch me either. I am just pleased I get this chance to rebuild my credit.

I don't think I'll be eligable for mainstream credit until 2014 when the CCJ falls off my file though, but surely every little helps in the meantime?

Youre right Laurabow, every little helps and thats all we can do. Our file wont be ''clear'' until 2015 but we have managed to change our phone/broadband account (although we were rejected by 02) change our car insurance provider and now this, so things are not as dire as i expected them to be at this point