Sub Prime Credit Card Club

darcyvuqua

PROLIANT wrote: »

Hello peeps, my Polish mate brought me a bottle of Poslish vodka back from Poland, Bison Voda, I have had two shots and that is it, no more (till tomorrow) :beer:

haha i have had this before a lot more than 2 shots and man it gave me a stinking headache the day after and really really bad heart burn hope your feeling ok today mr p!!

londonuk2008

How's people this fine weekend?
:j

andyauk

Hi all, just thought I would share that Vanquis have doubled my credit limit on my 4th statement not sure if this is the norm though but really pleased about it

londonuk2008

They normally do this after four - six months . I found when I had a Vanquis there was no pattern with there limit increases - although I found just before I closed the account a couple of months ago they increased to £2000 and then hiked the interest up to 44%.

Have'nt said that they are a helpful card company both in service and building a row of 'greens'.

darcyvuqua

does anyone know if you apply with cap 1 before the recommended six month wait do cap 1 refuse you out right due to not waiting the six months

NickX

darcyvuqua wrote: »

does anyone know if you apply with cap 1 before the recommended six month wait do cap 1 refuse you out right due to not waiting the six months

I think with Capital One you can apply for a card within a few weeks of closing your previous account.

Probably best to wait a little so that your Credit File shows the previous account as closed, but I don't think you need to wait 6 months.

TheAnalyst

darcyvuqua wrote: »

does anyone know if you apply with cap 1 before the recommended six month wait do cap 1 refuse you out right due to not waiting the six months

I wondered the same thing and it seems they do not as I had applied in May and was declined but applied there again 3 weeks ago after having a CCJ removed and was approved.

The thing I would say is that unless something VERY bad (like my CCJ) has been removed or changed on your file then I wouldn't bother, that's 2 months now with no searches Darcy, don't be tempted to start over again unless you have a real chance of being approved which, given you have appealed and been rejected, I don't think you have just yet.

PROLIANT

***bump***

Woodyrocks

Does anyone know if the reason my credit limit has not been increased by Vanquis is that I pay off the balance in full each month? I have had my card for 6months now.

PROLIANT

Woodyrocks wrote: »

Does anyone know if the reason my credit limit has not been increased by Vanquis is that I pay off the balance in full each month? I have had my card for 6months now.

Because you are not making them any money as you do not accrue any interest.