Sub Prime Credit Card Club

sharon-lalala

fairmorn308 wrote: »

the OH is wanting some so called space

Sorry to hear that, and i honestly know how that feels, been there and done it (18 yrs) (non patronise)........."what doesnt kill you makes you stronger!"- N0 truer words spoken.
At least you can post on here how you feel amongst like minded friends x

sharon-lalala

beanyy wrote: »

Has anyone else hear applied for a vanquis card, and how long did it take them to let you know one way or another??? Thanks

Hi beanyy

Hope it helps- i applied for Vanquis on the 12th Oct online- just before i got to the bit that told me whether i,d been accepted............it froze!!!:mad: :eek:

Recieved this email;

Please find attached a copy of the Vanquis Credit Card Terms and Conditions
which contain the Credit Card Agreement. We recommend you read them carefully,
print them off and keep for future reference. You will need Adobe reader to
view them. If you don’t have it you can download it free at
http://www.adobe.co.uk

Please note that receipt of this email and attached Terms and Conditions does
not mean you have automatically been accepted for a Vanquis Credit Card. At the
end of completing your online application an instant response would have been
displayed advising you on the status of your application and next steps.

Please do not respond to this email, as your email will not reach us. If you
have any questions call us on 0870 850 7755 and select option 3 (Please note
that calls are charged at national rate). Lines are open Mon-Fri 8am – 8pm, Sat
9am-5.30pm. Or email us via http://www.vanquis.co.uk/home/Contact_us.aspx

Thank you for choosing Vanquis.

Never heard nothing since, no calls email-nothing. :mad:

..............Whatever!!!:rotfl:

sharon-lalala

PROLIANT wrote: »

Hey people, we have past the 300K viewing milestone!

COOL -famous!
:A

evanjonesaber

Tottenham Til I Die

chicken_licken_3

can I join?
I have a cap 1 card £500 limit and monument with £200 limit.

Does anyone know when cap one increase your limit after the initial increase you get about 3 months after you open your account. I've had £500 limit for about 5-6 months, not needing a credit limit increase but it is nice to be trusted to be responsible. I only had £40 odd outstanding and £7 on monumnet!

clio

Hope the spuds get spudded today. and them mackems from the unwashed city can shizzle me nizzle

beanyy

brunouk wrote: »

Have you applied before?

Vanquis simply cancel applicatoins that are made within 6 months of being declined. You have to wait for 6 months between applications. If you are succesful you would have received your card within 14 days, that's not to say you have been declined, during busy times, it takes Vanquis longer to process the Referals, the referal ones sometimes require staff to phone (house phone) to confirm details. You could call them, they will tell you if you was succesful or not. Hope that helps?

I have previously applied to them, but it was last year so its definately more than 6 months ago! I also got that same email with the credit agreement in, but haven't heard anything since! I might check BT 1571 and see whether they've tried calling... I did try calling them a few days after applying but got the usual pre recorded 'If you have just applied we will be in touch' Might try again tomorrow Cheers for the advice. On another note, got declined straight off for Monument, really really annoyed as this and the Vanquis totalled my applications to 3 and knocked my credit score down by over 100 points! :mad: :mad:

Did anyone else realise that when your looking around for car insurance they search your credit file? I looked at loads of different ones to see which would be cheapest, totalling my number of credit searches this year to like 19!!! Soo unfair, didn't read anywhere when i was getting quotes that they'd search my credit file :mad: :mad:

sharon-lalala

brunouk wrote: »

Have you applied before?

Vanquis simply cancel applicatoins that are made within 6 months of being declined. You have to wait for 6 months between applications. If you are succesful you would have received your card within 14 days, that's not to say you have been declined, during busy times, it takes Vanquis longer to process the Referals, the referal ones sometimes require staff to phone (house phone) to confirm details. You could call them, they will tell you if you was succesful or not. Hope that helps?

No i might phone them next week if i can find some time. Thanks anyway for the above.
:T

sharon-lalala

beanyy wrote: »

I have previously applied to them, but it was last year so its definately more than 6 months ago! I also got that same email with the credit agreement in, but haven't heard anything since! I might check BT 1571 and see whether they've tried calling... I did try calling them a few days after applying but got the usual pre recorded 'If you have just applied we will be in touch' Might try again tomorrow Cheers for the advice. On another note, got declined straight off for Monument, really really annoyed as this and the Vanquis totalled my applications to 3 and knocked my credit score down by over 100 points! :mad: :mad:

Did anyone else realise that when your looking around for car insurance they search your credit file? I looked at loads of different ones to see which would be cheapest, totalling my number of credit searches this year to like 19!!! Soo unfair, didn't read anywhere when i was getting quotes that they'd search my credit file :mad: :mad:

Yes i also got declined straight off for monument. As for the car insurance you would think they would tell you out of courtesy that they do a credit search-wonder why they do this? :rolleyes:

PaulW922

Did anyone else realise that when your looking around for car insurance they search your credit file? I looked at loads of different ones to see which would be cheapest, totalling my number of credit searches this year to like 19!!! Soo unfair, didn't read anywhere when i was getting quotes that they'd search my credit file :mad: :mad:[/quote]


I know some try to - More Than mentioned it in the spiel they gave me once when I was asking for a quote and I said 'no'. They told me it was to see about the payment options they could offer. When i said that I'd rather know their price first they said they could not proceed with the quote without the search. I declined to go further. I don't think there is any reason for it and as such it is a good idea to listen to all the stuff they read out when you get your quote.