"Aquis" Credit Card

Guggul

10 days ago I applied for the "Aquis" Credit Card. I believe this is part of Vanquis.

I called them today to check on the application. They confirmed they are processing it and that I will get a decision in 7 to 10 working days.

How can it possibly take 20 days or so to decide whether it's a yes or no?

Don't they ever give instant decisions?

SammenForLivet2

Your application could be sent to an underwriter or 'Credit Analyst' for checking.

This said, to be honest, with those timescales, I would be expecting a decline letter in the post - and they may not want to tell you over the phone (for obvious reasons).

But, I don't think Vanquis given instant decisions - because they like to call you and sell you their protection plans and offer you an immediate cash-advance (from what I've heard-I'm not and have never been a Vanquis customer).

Good-Luck with your application.

Maestro.

what mac says right on the money. the call is part of the underwriting process and their plan to get you into debt from day 1 by offering an immediate cash advance. No- really, it's part of their business model, and is why they make so much money.

Guggul

Even if they've declined me they should have let me know by now