We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Vanquis/Aquis card waiting time

snail54
snail54 Posts: 1 Newbie
in Credit cards
Applied almost 2 months ago, went the through the phone confirmation exercise and have heard absolutely nothing since the beginning of March.

Does anyone know if this is normal or have I been rejected and they can't be bothered to tell me?

Thanks for any replies.
«1

Comments

  • sassy_one
    sassy_one Posts: 2,688 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Call them?
  • jintynetty
    jintynetty Posts: 26 Forumite
    I applied at the end of March and got my call the next day to say that I had been accepted. I've still not got my card! I phoned after 14 days and was told the card was sent on the 4th April and I would have to wait til the 20th before I could report it missing! in the meantime I have received my pin and my direct debit confirmation! Anyway, needless to say, the card didn't come yesterday so I phoned and they've cancelled that card and now I need to wait for another one!!!! Anyway you should phone them incase your card gas gone astray! I've phoned 3 times now and the staff are lovely! Don't forget to use the freephone number on "say no to 0870"!
  • Brucey12
    Brucey12 Posts: 14 Forumite
    I have two defaults and a relatively small CCJ (July 2012)

    Applied for a Vanquis card to help rebuild my credit. Received a call a week later to inform me i'd been accepted and ignored the Payment insurance hard sales.

    Received my card with a credit limit of £1000 and an APR of 26%. Thats cheaper than my existing natwest CC card which has no balance anyway.

    I call vanquis and the adviser said my rate is one of the lowest seen.

    Can't say I was expecting this but i'm chuffed.

    Really don't plan to use the card much and i've set a direct debit for the full balance.

    Any thoughts....
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    What advice are you wanting? You have applied for a card and got it.
  • OneLife_OneShot
    OneLife_OneShot Posts: 775 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Brucey12 wrote: »
    I have two defaults and a relatively small CCJ (July 2012)

    Applied for a Vanquis card to help rebuild my credit. Received a call a week later to inform me i'd been accepted and ignored the Payment insurance hard sales.

    Received my card with a credit limit of £1000 and an APR of 26%. Thats cheaper than my existing natwest CC card which has no balance anyway.

    I call vanquis and the adviser said my rate is one of the lowest seen.

    Can't say I was expecting this but i'm chuffed.

    Really don't plan to use the card much and i've set a direct debit for the full balance.

    Any thoughts....

    HOW? I have one settled default 3 years old that is all & I only got £400 limit on mine
    "All truths are easy to understand once they are discovered, the point is to discover them."


  • Jules2012
    Jules2012 Posts: 280 Forumite
    Part of the Furniture Combo Breaker
    26% on a Vanquis!!!
    Bad luck breeds bad luck.

    Damn I'm doomed.
  • Brucey12
    Brucey12 Posts: 14 Forumite
    conisme wrote: »
    HOW? I have one settled default 3 years old that is all & I only got £400 limit on mine

    Thats why im posting. I'm a long time viewer of MSE and i don't understand. I'm happy to screen shot the letter with credit limit and APR which is listed at 2.119% monthly for purchases, more for cash.
  • Brucey12
    Brucey12 Posts: 14 Forumite
    Jules2012 wrote: »
    26% on a Vanquis!!!

    Yes, sorry it may be 26.9, excuse my maths. But still I was expecting a rate of 59.9% with my history or even a rejection.
  • Brucey12
    Brucey12 Posts: 14 Forumite
    The card is black with no mention of vanquis on the face. It was a purple hologram type image on the face.
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    Still don't get what you're after - you've got a rate better than you expected - where is the issue?
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture