Not sure if accepted or not

GTR_King

They just wanna do some checks on you before they make a decision

Dancer90

Wet_Weekend wrote: »

I have. It was third time lucky for me!

Don't ever give up

I don't plan on giving up:rotfl: how long should I leave between applying if I'm unsuccessful this time?

Dandytf

Dancer90 wrote: »

I don't plan on giving up:rotfl: how long should I leave between applying if I'm unsuccessful this time?[/QUOTE

You might want to consider checking a credit report to identify why your being rejected (If your rejected) or you will prob face more rejections in the future short term or long term depending on what's on your credit report.

Dancer90

I do have access to my credit file and I do have one default from 3 years ago, i have since cleared the debt with the gas company. Apart from that I have always paid my bills every month and have never had any other credit apart from one catalogue company which is paid in full each month never missed a payment. So I'm actually looking for a credit card to build my credit file so I can apply for a mortgage in a few years time.

Dancer90

Received my email from Barclays card today saying I was successful I also applied with vanquis as I really thought I would have been unsuccessful with Barclays, and vanquis phoned today about my application with them which went great as i was also accepted by them.

A4445

That's good news :T:T

What credit limit did you get? I have an vanquis card as well :rotfl::rotfl:

Dancer90

Thank you I got £250 limit with both :j Not a great amount but it's a good start to building my credit file, the downside is the interest rates:( If I pay my balance off in full each month do I avoid paying interest?

A4445

Dancer90 wrote: »

Thank you I got £250 limit with both :j Not a great amount but it's a good start to building my credit file, the downside is the interest rates:( If I pay my balance off in full each month do I avoid paying interest?

Barclaycard doubled my limit after only 5m so it will go up, as long as you pay on time all the time they will reduce the rate.

As long as you pay in full every month no interest at all. Make sure you wait for your statement and then pay.

Dancer90

That's great I hope i get my limit doubled at least by the end of the year:) My plan is to pay both off in full every month so I can avoid the interest. Will it be the balance due I will have to clear or will it be where it states total balance?

A4445

Dancer90 wrote: »

That's great I hope i get my limit doubled at least by the end of the year:) My plan is to pay both off in full every month so I can avoid the interest. Will it be the balance due I will have to clear or will it be where it states total balance?

It will be the statement balance. The statement will say how much to pay and by when