Credit card help, which one.

punk84

DomRavioli wrote: »

They will be on there for 6 years. Its not a "catch 22" situation - you were offered credit, you took credit, you didn't pay it back and broke your contract.

If you were instantly rejected, perhaps satisfy the outstanding debts and have the defaults put as satisfied in full, then wait a couple of months, THEN apply to rebuild your credit.

Im not insinuating im a victim, i'm merely pointing out the fact that it's a catch 22, You can't build credit, without having credit. I whole heartedly accept responsibility for my actions, All i am asking is how to remedy the situation.

giblet10

Did you apply for Vanquis? I didn't they did instant rejection - usually EITHER "we'll call you soon" or "we'll let you know in 14 days ish"

punk84

I know personaly people who have been accepted by vanquis after being declared bankrupt, whilst my history is messy, it is by no means a lost cause. Just means i will have to take a longer less direct route. I am just glad that i researched it and found out that by reapplying to other lenders makes u look bad ect. Otherwise i would have applied to several different places.