Mistakenly applied for Vanquis Card?

Havelsea

Hey everyone,

Today I was stopped in the street by a salesman from Vanquis. To cut a long story short I told him I didn't want to apply for anything. He then reassured me that he would only take a few details to make sure I was eligible for the card, and then the decision would be up to me if I wanted to go ahead and apply.

I gave him my name, address, phone number and answered a few questions (I'm a student, household income, not bankrupt) and then for some stupid reason I signed a sheet. All to just get him to leave me alone.

He used an iPad to fill in the details, and I've now realised he was filling in the application form on the Vanquis site.

I've just emailed Vanquis (phone lines closed) to withdraw my application, and will ring them on Monday. My only sign of hope is that he said I would be receiving a call BEFORE they set anything up or proceeded with the application - and of course I'll outright say no during that call like I should have done today. Also, they don't have any of my financial information (card details etc.).

My question is, will I be able to cancel my application entirely and never hear from them (or ever be charged by them or owe them money) again?

Thanks for all the help. I think all this has taught me a lesson in the worth of assertiveness.

jonesMUFCforever

If it goes through - do not activate the card - tear it up and send a letter of complaint about how it was sold to you.

bigadaj

You can cancel the card if you receive it, or keep it. There's no cost for having it, and whilst the interest rate would be very high it would be free if you bought things and paid them off Blythe date on the statement.

You could make a formal complaint to vanquis, and you might get a apology and a few quid door your time and inconvenience. Alternatively you could keep it, use it for normal spending, don't go mad, pay in full every month so you get six weeks interest free credit and manage to build a profile that will help you get credit in the future.

Havelsea

I've never had nor intend to use a credit card if possible, so if my application is not withdrawn and I do somehow still get the card then my only worry is that even if I immediately cancel and cut up the card (and complain), then I'm still going to be charged somehow or be owing them money somehow.

It's probably just me worrying too much, but I've read elsewhere on the net about people being charged even though they never applied for a card, or cancelled the card before using it.

jonesMUFCforever

No you will not be charged - but using a credit card sensibly can help you in many ways.
Others have told you you can get up to 56 days interest free, S75 on purchases over £100 and by using it on the internet IF somebody hacks your account or fraud occurs then it is Vanquis money they are spending, not monies held in your bank account.

reclusive46

jonesMUFCforever wrote: »

No you will not be charged - but using a credit card sensibly can help you in many ways.
Others have told you you can get up to 56 days interest free, S75 on purchases over £100 and by using it on the internet IF somebody hacks your account or fraud occurs then it is Vanquis money they are spending, not monies held in your bank account.

+ At some time in your life your going to need a credit card. The odd hotel (Mainly American hotels but encountered throughout Europe) will only take Credit Cards and not Debit Cards and the same goes for Car rentals but thats pretty much always required out of Europe.

Also having the green ticks on your credit report will also help in later life when you want something like a Mortgage.

MissThreads

The same thing has happened to me, so everything with be fine if I just tear it up?

jonesMUFCforever

reclusive46 wrote: »

+ At some time in your life your going to need a credit card. The odd hotel (Mainly American hotels but encountered throughout Europe) will only take Credit Cards and not Debit Cards and the same goes for Car rentals but thats pretty much always required out of Europe.

Also having the green ticks on your credit report will also help in later life when you want something like a Mortgage.

This is what I said I think LOL:rotfl:

brendon

You can cancel within the 14 day cooling off period, if you don't want it.

R_P_W

Havelsea wrote: »

Hey everyone,

Today I was stopped in the street by a salesman from Vanquis. To cut a long story short I told him I didn't want to apply for anything. He then reassured me that he would only take a few details to make sure I was eligible for the card, and then the decision would be up to me if I wanted to go ahead and apply.

I gave him my name, address, phone number and answered a few questions (I'm a student, household income, not bankrupt) and then for some stupid reason I signed a sheet. All to just get him to leave me alone.

He used an iPad to fill in the details, and I've now realised he was filling in the application form on the Vanquis site.

I've just emailed Vanquis (phone lines closed) to withdraw my application, and will ring them on Monday. My only sign of hope is that he said I would be receiving a call BEFORE they set anything up or proceeded with the application - and of course I'll outright say no during that call like I should have done today. Also, they don't have any of my financial information (card details etc.).

My question is, will I be able to cancel my application entirely and never hear from them (or ever be charged by them or owe them money) again?

Thanks for all the help. I think all this has taught me a lesson in the worth of assertiveness.

You gave personal information to a random guy that approaches you in the street?! And then you sign a piece of paper for something you don't want?

Just keep walking next time if you are so easily led

[Deleted User]

What's so difficult about simply saying "I DON'T WANT ONE!" and walking straight past the salesman :huh: