Vanquis Credit Card - How soon did you get one?

eripmav

Noted Power Kitten thank you.

I applied yesterday afternoon, before the school run and was accepted this morning - after the school run:) Not sure on limit etc yet but I'm happy that it went through.

sfjnet

I was BR in April 10 and auto discharge in April 11. I applied a week or so ago and after taking their "identity confirmation" call and sitting through their script to try and sell me additional insurance I was told I was accepted. A couple of days later (before I even received the card in the post) I got a text reminding me that I have £500 credit to spend. This company must surely make a lot of money off poor credit-rated people who are thrilled to get a credit card but then cant pay in full at the end of each month. The interest rate is insane. That said of course, I'm glad to have it as a just in case option for those months when the money won't quite last until payday (haven't had one yet since before BR but I remember the embarrassment of having my card declined in a busy supermarket and having to go away empty handed).

PurpleGoldFish

I applied over a year ago and was instantly met with a message at the end of my application saying thanks but...erm NO.

After reading this last night I applied today and I wasn't met with the automatic message but was told that my application had been successfully submitted and that I would get a telephone call soon...

Will update as and when

PurpleGoldFish

Anyone any idea on how long they take to call?

yellowmonkey

They phoned me the next day. Bit of a pain as I was on nights :cool:

PurpleGoldFish

Well Ladies and Gents.... As yellowmonkey said they did do call the next day and they ACCEPTED me.... Can not believe it!

battyboimatt

I dont even think Ill try when im discharged as they were included in my bankrupty lol.

PurpleGoldFish

dojoman wrote: »

Could you please tell me what bank you have managed to get the above with?

Seconded. I've spoken to the co op today after being with them 4 years and asked whether I could move to the standard current account (no over draft or cheque book on this one) and they said no. I felt a little down about it as I've been with them 4 years, never been over drawn (or even close) nor have I had a bounced DD.

PurpleGoldFish

Just another quick update.

Advised my friend who's also post-bankruptcy. She's been accepted too.

Looks like there is help out there.

BRSurvivor

Haven't posted for a while, but wanted to let folks know that I've been accepted for the Vanquis card too. BR Feb '10, AD Feb '11. Cleaned up quite a lot of my credit files, but still a loan and an MBNA card still showing from 2010 as defaulted and not settled. Do have lots of green in there though, with Co-op, O2, Virgin and a catalogue account.

Just waiting to receive the card, but already received text saying balance 0, credit available £500. Inteding to use to buy petrol, and pay off each month.

Wife still has a credit card that for some reason never got closed in her BR (think because it had a CR balance of about £1?). Anyway, we've used that quite a bit over the last six months, and same thing - we've cleared every month and paid no interest, and the credit limit has recently doubled to over £2000. Can't see that they checked her CRFs first.

Life during and after BR was hard. I was out of work for over 18 months, but I'm back in work since last July and we are much more comfortable now even though I earn around £15k less than I was earning before. And my commute is under 30 minutes now, whereas before it was around 80-90 minutes.

Life is good.