Vanquis & Cap 1 - which card next?

TastyTeeth

I've held my Vanquis and Cap 1 cards since March 2010. All greens and limit raises on both of them over the last 14 months.

This along with Very, Littlewoods, Additions and Next (all greens and limit increases across all accounts) Hopefully gone a long way to becoming more attractive to a mainstream lender.

So, the $64m question, which one should I try for next?

Don't want to go too mainstream just yet...plan on trying one of them out for size in 2012. But, in the meantime, from the bastion of knowledge that is this forum, which one next?

m00m00

cap1 progress ?


the issue is how bad your credit record was before you applied for the cap1 and vanquis


12-14 months of green won't do much sadly with the prime lenders if you have defaults/ccjs etc

TastyTeeth

m00m00 wrote: »

cap1 progress ?


the issue is how bad your credit record was before you applied for the cap1 and vanquis


12-14 months of green won't do much sadly with the prime lenders if you have defaults/ccjs etc

No CCJs, two satisfied defaults due to drop off the file early 2012 (hence not going mainstream until then).

Would Aqua or Sygma consider me do you think?

Trajal

I get nasty responses from both of them with a single default. However, I don't have good history with cap1 / vanquis yet so I have no idea.

Please do update this thread if you decide to apply with details of your results, I will be monitoring it most closely because in a little while I shall be looking to do something similiar!

MichaelCR

TastyTeeth wrote: »

I've held my Vanquis and Cap 1 cards since March 2010. All greens and limit raises on both of them over the last 14 months.

This along with Very, Littlewoods, Additions and Next (all greens and limit increases across all accounts) Hopefully gone a long way to becoming more attractive to a mainstream lender.

So, the $64m question, which one should I try for next?

Don't want to go too mainstream just yet...plan on trying one of them out for size in 2012. But, in the meantime, from the bastion of knowledge that is this forum, which one next?

Capital One Progress Mastercard ?
Barclaycard Initial visa ?
Barclaycard Gold Visa ? (Sounds daft, but my friend got one with a similar situation to yours)
Perhaps consider your bank ? (12-24 months of good conduct with them might make them consider you for a credit card)

TastyTeeth

Trajal wrote: »

I get nasty responses from both of them with a single default. However, I don't have good history with cap1 / vanquis yet so I have no idea.

Haven't you just applied for, and been accepted on, an Aquis Card? Part of the Vanquis/Provident group? Confused as to how you get nasty responses from them both?

vintagegirl

TastyTeeth wrote: »

No CCJs, two satisfied defaults due to drop off the file early 2012 (hence not going mainstream until then).

Would Aqua or Sygma consider me do you think?

i have 3 defaults and i got approved from aqua last month with a £350 limit

TastyTeeth

vintagegirl wrote: »

i have 3 defaults and i got approved from aqua last month with a £350 limit

Is that with having a Vanquis/Cap 1 card also?

Trajal

TastyTeeth wrote: »

Haven't you just applied for, and been accepted on, an Aquis Card? Part of the Vanquis/Provident group? Confused as to how you get nasty responses from them both?

Yes I have, sorry I was referring to Aqua and Sygma! Must make myself clearer :-D

TastyTeeth

Trajal wrote: »

Yes I have, sorry I was referring to Aqua and Sygma! Must make myself clearer :-D

D'oh! Having re-read it you were indeed. Perhaps I'm not reading properly tonight... :cool:

vintagegirl

TastyTeeth wrote: »

Is that with having a Vanquis/Cap 1 card also?

yes i have all three now,
£350 aqua
@200 cap one
and a recently increased to £500 vanquis