applying for vanquis

FiLmBuFf_2

Im wondering if it would be ok to apply for a vanquis credit card even though ive just applied for a capital one card yesterday, managed to sign the agreement this time instead of just the usual green ticks, but i know it isnt a guarantee. Anyway... should i wait a bit before applying for a vanquis or just go for it?

limitation

FiLmBuFf wrote: »

Im wondering if it would be ok to apply for a vanquis credit card even though ive just applied for a capital one card yesterday, managed to sign the agreement this time instead of just the usual green ticks, but i know it isnt a guarantee. Anyway... should i wait a bit before applying for a vanquis or just go for it?

Can't see it doing any harm ! As long as you haven't made a huge amount of applications in the last few months.

Best of luck !

FiLmBuFf_2

No last application was almost a year ago lol Thanks

Maestro.

try it. I got approved for their granite card (34.9% apr, £500 limit) and I have _NO_ previous credit history and my electoral register status hasn't even been posted to my credit report yet.

be aware though, when they call you and you answer, they have a habit of simply hanging up on you. they did this to me twice so i phoned them and they claimed their automatic dialler is having issues...

the number I got called from was 02080450076 - that's a London area code and the person I spoke to was British and clearly spoken so no struggling to understand the accents from those of foreign call centres (like capital one!)

they took about 10 days from applying online to call me.

good luck.

FiLmBuFf_2

Maestro. wrote: »

try it. I got approved for their granite card (34.9% apr, £500 limit) and I have _NO_ previous credit history and my electoral register status hasn't even been posted to my credit report yet.

be aware though, when they call you and you answer, they have a habit of simply hanging up on you. they did this to me twice so i phoned them and they claimed their automatic dialler is having issues...

the number I got called from was 02080450076 - that's a London area code and the person I spoke to was British and clearly spoken so no struggling to understand the accents from those of foreign call centres (like capital one!)

they took about 10 days from applying online to call me.

good luck.

wow congrats! i have no previous credit history either, finally my name is on the register (dont know if its on my credit report yet) after realising it wasnt even though i filled in the form 2 years ago lol BUT declined from vanquis lol oh well... wait and see what happens with capital one, not expecting a yes but never know lol

Maestro.

someone on here got started out with a barclaycard initial I think - worth trying in a few months if you get declined for cap one?

FiLmBuFf_2

will keep that in mind, thanks

FiLmBuFf_2

received letter from capital one saying they have almost completed my application but i need to send 2 documents that contains my name, address etc... i only have documents dated from last year, do you think that would be ok? tried calling them but after 20 minutes on hold i gave up lol

MoneyMagic01273

FiLmBuFf wrote: »

received letter from capital one saying they have almost completed my application but i need to send 2 documents that contains my name, address etc... i only have documents dated from last year, do you think that would be ok? tried calling them but after 20 minutes on hold i gave up lol

This documentation is likely to be required for an identity/address check and so they will probably require current documentation (dated within the last 2-3 months).

Do you have a recent utility bill, scan of your drivers liscence etc that provide?

FiLmBuFf_2

MoneyMagic01273 wrote: »

This documentation is likely to be required for an identity/address check and so they will probably require current documentation (dated within the last 2-3 months).

Do you have a recent utility bill, scan of your drivers liscence etc that provide?

Sorry for late reply, i dont have passport or driving licence or recent utility bill lol so just sent them a random bunch of stuff and few days later got my pin sent out, just waiting on my card now

Maestro.

while Vanquis are no doubt a great way to get started, do be aware that they have some very sneaky tactics. I have not been impressed so far, but thankfully I have enough savvy to persevere and make sure they don't fob me off.

https://forums.moneysavingexpert.com/discussion/comment/51399687#Comment_51399687

don't be conned.