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  • FIRST POST
    • abo999
    • By abo999 28th Sep 18, 9:28 AM
    • 8Posts
    • 2Thanks
    abo999
    Vanquis Card Application - call back question
    • #1
    • 28th Sep 18, 9:28 AM
    Vanquis Card Application - call back question 28th Sep 18 at 9:28 AM
    I applied on the 25th for a Vanquis card to help rebuild my credit. The intention is to use it for my diesel for the month and pay the full balance each time.

    Anyway, it asked me for two contact numbers when I applied, one of which must be a landline. I do have a landline installed thanks to Virgin having it as part of the bundle, but I never use it; no one has the number and I don't even have a phone plugged in...

    If they try my landline it'll only ever ring and ring. Will this be a problem, or will they also try my mobile?
Page 1
    • jimbo26
    • By jimbo26 28th Sep 18, 9:32 AM
    • 509 Posts
    • 308 Thanks
    jimbo26
    • #2
    • 28th Sep 18, 9:32 AM
    • #2
    • 28th Sep 18, 9:32 AM
    Don't worry, they will ring your mobile.
    Last edited by jimbo26; 28-09-2018 at 9:36 AM.
    • abo999
    • By abo999 28th Sep 18, 9:34 AM
    • 8 Posts
    • 2 Thanks
    abo999
    • #3
    • 28th Sep 18, 9:34 AM
    • #3
    • 28th Sep 18, 9:34 AM
    Cool, thanks!
    • 18cc
    • By 18cc 28th Sep 18, 2:37 PM
    • 806 Posts
    • 538 Thanks
    18cc
    • #4
    • 28th Sep 18, 2:37 PM
    • #4
    • 28th Sep 18, 2:37 PM
    I'm surprised that these days any company requires a landline it must limit their market considerably
    • abo999
    • By abo999 3rd Oct 18, 8:12 AM
    • 8 Posts
    • 2 Thanks
    abo999
    • #5
    • 3rd Oct 18, 8:12 AM
    • #5
    • 3rd Oct 18, 8:12 AM
    Anyone know how long they are taking to call at the moment? Been a week since I applied.
    • PRAISETHESUN
    • By PRAISETHESUN 3rd Oct 18, 9:44 AM
    • 400 Posts
    • 185 Thanks
    PRAISETHESUN
    • #6
    • 3rd Oct 18, 9:44 AM
    • #6
    • 3rd Oct 18, 9:44 AM
    I find it odd that they require a landline in this day and age - but I suppose it's another way that they can check you are tied to a physical address. Put the landline number, and if they ever need to call you when they can't get through they'll use your mobile number instead.

    If you got instantly accepted, then you should typically have the paperwork within 5-10 business days, and the card should arrive 5-10 days after you sign and return the agreement. If you were flagged for manual review, then it will take longer.
    • nic_c
    • By nic_c 3rd Oct 18, 10:11 AM
    • 1,824 Posts
    • 958 Thanks
    nic_c
    • #7
    • 3rd Oct 18, 10:11 AM
    • #7
    • 3rd Oct 18, 10:11 AM
    It is now a waiting game, but they haven't asked for anything more so unless yours gets picked for manual selection you should hear back within a week (probably will be the card etc)
    • T-G-C
    • By T-G-C 3rd Oct 18, 10:41 AM
    • 451 Posts
    • 211 Thanks
    T-G-C
    • #8
    • 3rd Oct 18, 10:41 AM
    • #8
    • 3rd Oct 18, 10:41 AM
    If you have a slim credit file or recently recovered from a poor one, Vanquis will take some additional measures to ensure the card is issued on merit.

    You will usually be asked a few questions, some of which could be used to conduct a further assessment or to cross-reference application details. Depending on their current policy and the outcome of the credit check, some new customers are required to setup a Direct Debit for approval. This reassures the lender that payments are arranged on a more solid basis.

    If you are asked about a cash advance, I would personally advise against it, as having a Vanquis card should be for more purchase orientated transactions due to the interest rate, although the facility is there at your discretion. I am pleased to inform you that cash and purchase interest are no longer more expensive than the other, meaning a purchase & cash advance cost the same in interest, although a charge of £3 or 3%, whichever is greater, will be applied to a cash advance, along with instant interest accumulation with no grace period. Vanquis have been known to waive the cash fee for some customers, but please ask about this first before going ahead.

    Once the phone call assessment has been completed, the card and PIN should arrive within 10 days, although typically sooner. Your phone call should not take more than 10 days to occur and if it exceeds 10 days, it could be worth contacting them and kindly requesting an update.

    Your credit limit could range from £200 upwards, depending on your credit file. Assuming you have a slim file or are recovering / recovered from a poor file, the credit limit may typically begin small, gradually building up with proper use of the account and no excessive debt elsewhere.

    Once you reach £1,500 for your credit limit, the Gold card may be awarded. Whilst the card itself is more attractive than the standard, there is no practical benefit or difference to the running of your account.

    Good luck with getting started with Vanquis and if you have any problems or questions, leave a thread here on the forum and everyone will use their experience and knowledge to assist you.
    Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.
    • abo999
    • By abo999 11th Oct 18, 6:41 PM
    • 8 Posts
    • 2 Thanks
    abo999
    • #9
    • 11th Oct 18, 6:41 PM
    • #9
    • 11th Oct 18, 6:41 PM
    Thanks for the comprehensive info! I got my call today; they went through a few questions, and accepted me with a small credit limit. This is fine as the purpose is to start rebuilding my credit, I use about 100 quids worth of diesel each month so this will cover my driving and I'll pay the full balance each month.
    • SMCG
    • By SMCG 11th Oct 18, 8:20 PM
    • 33 Posts
    • 15 Thanks
    SMCG
    Hi. My experience of VAQUIS and AQUIS cards is that they call within hours. I open and close these every year and get Quidco money. I would call them. The offices seem to be in Kent (rather than Provident, Bradford) and they are nice to speak to.
    • Shakin Steve
    • By Shakin Steve 11th Oct 18, 8:21 PM
    • 1,648 Posts
    • 1,418 Thanks
    Shakin Steve
    Hi. My experience of VAQUIS and AQUIS cards is that they call within hours. I open and close these every year and get Quidco money. I would call them. The offices seem to be in Kent (rather than Provident, Bradford) and they are nice to speak to.
    Originally posted by SMCG
    Why would he call them?
    I came into this world with nothing and I've got most of it left.
    • SMCG
    • By SMCG 11th Oct 18, 8:25 PM
    • 33 Posts
    • 15 Thanks
    SMCG
    Hi. I may have misunderstood. If you apply, they call you within hours. So I would ring them. The OP should have heard by now.
    • Shakin Steve
    • By Shakin Steve 11th Oct 18, 9:38 PM
    • 1,648 Posts
    • 1,418 Thanks
    Shakin Steve
    Hi. I may have misunderstood. If you apply, they call you within hours. So I would ring them. The OP should have heard by now.
    Originally posted by SMCG
    But if you read the post above yours....
    I came into this world with nothing and I've got most of it left.
    • Gary_Dexter
    • By Gary_Dexter 11th Oct 18, 10:19 PM
    • 2,396 Posts
    • 1,337 Thanks
    Gary_Dexter
    Hi. My experience of VAQUIS and AQUIS cards is that they call within hours. I open and close these every year and get Quidco money. I would call them. The offices seem to be in Kent (rather than Provident, Bradford) and they are nice to speak to.
    Originally posted by SMCG
    The Quidco thing seems pointless...
    • SMCG
    • By SMCG 12th Oct 18, 12:35 AM
    • 33 Posts
    • 15 Thanks
    SMCG
    Not when you get £25 off the provy every year. Nothing pointless. So jog on.
    • Gary_Dexter
    • By Gary_Dexter 12th Oct 18, 7:30 AM
    • 2,396 Posts
    • 1,337 Thanks
    Gary_Dexter
    Opening and closing a credit account every year for the sake of £25?

    That’s really not worth it
    • nic_c
    • By nic_c 12th Oct 18, 8:08 AM
    • 1,824 Posts
    • 958 Thanks
    nic_c
    People open amazon cards for £20,so it's not surprising. It's not worth it if you consider the credit history. No card held long term and a list of closed accounts all less than 1 year. Might be a concern for main stream lenders, after all it won't say who closed the accounts
    • Potbellypig
    • By Potbellypig 12th Oct 18, 8:45 AM
    • 262 Posts
    • 139 Thanks
    Potbellypig
    Opening and closing a credit account every year for the sake of £25?

    Thatís really not worth it
    Originally posted by Gary_Dexter
    The amount is relative to your own circumstances. £25 to one person could be a lot of money and worth it.
    • SMCG
    • By SMCG 12th Oct 18, 2:25 PM
    • 33 Posts
    • 15 Thanks
    SMCG
    The amount is relative to your own circumstances. £25 to one person could be a lot of money and worth it.
    Originally posted by Potbellypig
    Hi. Thanks I agree. I can go to B&Q and buy a can of Dulux coloured emulsion and a can of gloss paint and decorate 1 room for free every year. I have done this for years and years. It is worth it. (and my flat always looks fresh!)
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