Capital one-aqua-vanquis whic is easiest

intranicity

pearls_of_wisdom wrote: »

just applied for £2500 limit

!!!!! Are you sure? £250 limit, is much more likely. Not that you can apply for a credit limit in the first place that I'm aware of?

Hopefully you'll get £250 though and use it sensibly, BUT IF BY SOME MIRACLE you are actually Jesus Christ and not Hitler and they do award you £2.5k straight off, DON"T USE IT UNLESS YOU CAN CLEAR IT OFF IN FULL EVERY MONTH, the interest would be a killer

GOOD LUCK :rotfl:

KingElvis

^^ Even Jesus would choke on their criminal rates and only the devil himself would carry a Vanquis "balance".....shudder

pearls_of_wisdom

intranicity wrote: »

!!!!! Are you sure? £250 limit, is much more likely. Not that you can apply for a credit limit in the first place that I'm aware of?

Hopefully you'll get £250 though and use it sensibly, BUT IF BY SOME MIRACLE you are actually Jesus Christ and not Hitler and they do award you £2.5k straight off, DON"T USE IT UNLESS YOU CAN CLEAR IT OFF IN FULL EVERY MONTH, the interest would be a killer

GOOD LUCK :rotfl:

yes there was a range of required credit and i opted for £2500 i shall update when they decide to let me know which has switched from an answer in 1 to 14 days via letter or phone call anybody's guess many thanks

pearls_of_wisdom

KingElvis wrote: »

^^ Even Jesus would choke on their criminal rates and only the devil himself would carry a Vanquis "balance".....shudder

many thanks i shall let you know once they have made desicion hope i don't have to hide away with a declined

DermotFlanigan

Deleted_User wrote: »

All cards are interest free if paid in full every month.

Agree that Vanquis is easiest to get. Even my grandfather could get one, and he died twenty years ago.

That's incorrect. With Vanquis, you have to pay 2 bills in full (2 months) before you get the "Up to 56 Days interets free".

[Deleted User]

Only if you don't pay the first one in full.

But then, that also applies to all credit cards.

DermotFlanigan

Hmm I think they've done me out of a couple of quid then

pearls_of_wisdom

:T

Deleted_User wrote: »

Only if you don't pay the first one in full.

But then, that also applies to all credit cards.

thankyou matthewandemma and zx81 for highlighting this particular point for me, i hope i have the issue of having to deal with this particular point if accepted for card as i do intend to use card and pay off in full each month to boost credit rating many thanks.

DermotFlanigan

They will also try and sell you a package which allows you to take payment breaks etc.

Just decline all of that and set up a direct debit. I applied for vanquis about 7/8 months ago after I noticed I had hardly any data on my credit report. I am yet to check what my report is like now, but hopefully it will look a bit better

pearls_of_wisdom

matthewandemma wrote: »

They will also try and sell you a package which allows you to take payment breaks etc.

Just decline all of that and set up a direct debit. I applied for vanquis about 7/8 months ago after I noticed I had hardly any data on my credit report. I am yet to check what my report is like now, but hopefully it will look a bit better

i believe i opted no on this point as i didn't want them to think i might struggle to repay at some future point many thanks again:T