Vanquis or Aqua??

lee20010

I want to apply for either CC. I was wondering, when does credit files update the reports? Is it the 1st of each month??

I applied for a Vanquis around a month ago. And they said they will get in touch within 7-10 days, not heard anything.. Last time I applied last year it was a straight decline, so I'd like to know something

Trajal

Give them a quick call to see where your application is. No point having too many searches on your file.

If you fail at vanquis you won't get an aqua is the general rule, of the '4 easier' cards they are in this order (hardest first, easiest last):

1. Barclays Initial
2. Aqua
3. Capital one
4. Vanquis.

If you fail at a lower tier you're pretty unlikely to get a higher tier.

big_Daddy_Dave

I applied for vanq in October, decline, applied again end of April, nothing, phoned them 2 weeks later and they said it was cancelled because I had applied within 6 months, even though it was only 3 days before 6 months was up, I didnt even know about the 6 month wait, so they told me I need to wait ANOTHER 6 months.

so it may be something like that.

after I hung up I applied for Granite, same company, got a call 2 days later saying I was approved

so God knows how their system works

declined for Aqua like a month ago aswell, didnt even credit search, just put details and they said no

lee20010

Well I just tried with Aqua, entered a few details in, straight decline. Not sure they actually did a credit check

PhenoM

They do a soft-search with Callcredit.

paulmcerlean

PhenoM wrote: »

They do a soft-search with Callcredit.

Correct. They check basic details to see if its even worth putting a full application through from first page details.

As above, Aqua harder to get than a Vanquis card. If no or poor past history, try Vanquis or Capital One first and pay off in full.