3 months post AD. Vanquis have written to sell me a card

Shed777

Understand that getting a Vanquis card can help me improve my credit rating.

However, they've written to me saying I have been 'pre-selected to apply'.

Does this mean that they have already credit scored me and view me as acceptable to them?

Last thing I want to do is make my credit history worse by applying & being knocked back.

Should I just phone them to find out?

SteveABC

Nooooo!!

I am over a year after AD. I've have this "pre-selection" rubbish several times (including Vanquis), so in my naivety I applied (twice!)....and was turned down, which has probably had an adverse effect on my credit rating!

:eek: :mad:

Shed777

Many thanks.

izools

No reason not to be approved for Vanquis post discharge.

You need to be certain you've thoroughly actioned the post insolvency credit file clean up, which is a sticky on this board.

I was approved for a Vanquis card within two months of discharge because of the advice on that thread

nuttyp

I got my vanquis card around 6 months after discharge. I use regualry and pay off every month in full, as the interest is high. They have now upgraded me to a gold member after 4 years. Credit limit is stupidly high, but never used to that amount. Im lucky as ive never had a problem with them. hope this helps