Vanquis Application Procedure

edited 30 November -1 at 1:00AM in Credit Cards
3 replies 3.2K views
SiberianSwirlSiberianSwirl Forumite
2 Posts
edited 30 November -1 at 1:00AM in Credit Cards
Apologies if this has already been previously discussed!

I'm slightly confused about the Vanquis application process.:o

I completed my application online and was informed that somebody would be in touch. The next day I received a call from them and I went over the details which I had submitted with my online application (salary, addresses etc...). Then they asked for my debit card information and asked if I intended on paying the balance off in full or part each month.

I didn't have my debit card to hand, so I was told to call back. Just as I was about to call (the next day), I received a text message from them which stated 'congratulations, you have passed the initial check' or words to that effect. :j

Anyway, I called them back and gave them my bank details and was then informed that they would contact me in 5-10 working days.

Is this standard procedure? I am a little confused as I have read that many people are accepted after giving their card details over? :(

Replies

  • I've just done an application, it also stated someone would be in touch so I called them straight away, answered their questions, gave bank details and was told card on its way
  • I wouldn't worry about it, you've more than likely been accepted and your card will arrive shortly.

    Just remember to set up a direct debit to pay it in full every month, don't fall into the Vanquis 59.9% trap.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • I think if they call you it's a strong chance you've been accepted.
    Never argue with an idiot. Especially not this idiot because I'm always right anyway.
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