Vanquis card application declined

Contracts_Engineer

Devastated. Applied for the Vanquis card and have been refused.

Apart from the fact that will now be on my report for 6 years im also devastated as i have stuck with it and completed my credit file clean up and its all ok.

Since going bankrupt and being discharged we have money to spare and bills are paid on time etc. and this is shown on my reports.

I thought vanquis were specialised in giving cards to people like me to rebuild my score etc.

If they have refused me what chance have i got? another 6 month wait before i can re-apply. For what??????? to be rejected again?

PippaGirl_2

I think being turned down only affects your rating for a few months, not 6 years.

john1002

The search that vanquis did, only stays on file for 1 year and nobody will be able to tell if approved or rejected.

I would write to appeal there decision and ask why?

good luck

john

Contracts_Engineer

still 6 months im not rebuilding my file. anyone else refused a vanquis????

Contracts_Engineer

i have emailed them and asked them to ring me to discuss why

JustinCredibleGillespie

Jeeez thats terrible. I have one more default to get satisfied which should be done within the next 4 weeks then I was going to take the plunge with Vanquis.

Now I''m a bit worried as my Bankruptcy doesnt appear on any of the 3 CRA's and the reason being is because I went Bankrupt at my new address and the landlord asked me not to change any of the bills to my name, so I didnt. I am now back on the electoral roll at my mothers address although this hasnt appeared on Noddle just yet.

So where does that leave me? Should I tell Vanquis on the phone that I've been bankrupt although they wont see it?

JCG

xx

john1002

you only need to tell vanquis if bankrupt if they specifically ask on the application form, but they may find out as although you say you dont see the bankruptcy does not mean that they wont see a link, remember with CRA you have to provide them with all addresses you have lived at, if you dont then they will only provide the data at the address you say.

good luck whatever you decide

john

JustinCredibleGillespie

This is what I'm saying John there wont be any link whatsoever. I have already asked James Jones from Experian about it in a previous thread. It wont show ever unless I apply for credit at that address which I cant and wont be doing as the house has now been sold.

JCG

xx

mysterio_2

Brother bankrupt 6yrs in march....refused vanquis after a year of discharge although did accept him later (18mnths or so)

at the end of the day vanquis capital one etc are under NO obligation to give an account..its pretty hit & miss sadly what one person gets isnt always a guarantee someone else will

and I suspect your letter will fall on deaf ears...they'll only reply saying contact your credit file holders

Heycock

OP...Without knowing all your lifestyle details the question can only be answered by Vanquis if they're prepared to give a reason( and they don't have to). Your credit rating is also built on things like employment status, householder status, financial links to others, area you live, frequency of applications etc etc. So there might be something other than BR stopping the application being accepted at the present time.
And I can confirm that your file only shows 3rd parties when searches were done and by the type of business searching. It shows neither the actual company nor the outcome.

You_only_live_once

I was automatically discharged 5 September, have done no credit file clean up. I applied for a Vanquis Credit card last week was accepted and got card today. I think it is a bit of a lottery with them who does and does not get accepted. I was surprised to get accepted i must admit.