Will applying for Vanquis have any other effects?

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Yep, top advice from AAD as usual. cheers buddy! :niddy

give it 6 months then go to capital one mate - should be another yes with a £200 or £500 limit on their creditbuilder (progress) card which lowers the apr every few months.

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Nice one matey, see - applying for the right card at the right time works wonders..... :niddy

Yep, top advice from AAD as usual. cheers buddy! :niddy

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Just to let you all know i did receive a call from them, and they did their best to sell the protection which i declined. Card received with £600 limit on it so will use now for 56 days of free credit a month. Allows a bit of slack on my already "fat" belt.

Nice one matey, see - applying for the right card at the right time works wonders..... :niddy

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Just to let you all know i did receive a call from them, and they did their best to sell the protection which i declined. Card received with £600 limit on it so will use now for 56 days of free credit a month. Allows a bit of slack on my already "fat" belt.

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Are the cra's at work already lol
Received a notice at 9 and just now to say its received replies

[SA Gold]

Re: Will applying for Vanquis have any other effects?

They like to ruin your weekend which is why we say ignore post in Saturdays and have a break. Pointless being wound up and worried all weekend. So instead go splash out and spend some repayment money on yourself

That's the plan

That's a very good point actually - why worry about shite when there is no need! :niddy

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

They like to ruin your weekend which is why we say ignore post in Saturdays and have a break. Pointless being wound up and worried all weekend. So instead go splash out and spend some repayment money on yourself

That's the plan

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Oh yea lol.

Well see what happens then

lol
All of sudden, one Saturday had loads of them. Nothing for a few days, then loads one evening, followed by the Saturday again. One person on a certain shift pattern perhaps?!

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Oh yea lol.

Well see what happens then

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Well Vanquis call to say yes or no usually. And to try and upsell ppi style insurance. Just say no!!

If its a decline see what they say, that'll be by letter. It can be slow so give it 2-3 weeks before worrying.

You're not in debt are you so witheld calls won't bother you?

Will do, thanks for the heads up.

Yes, i am in debt mate - stopped paying the CCCS after the CCA's were sent out.

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Well Vanquis call to say yes or no usually. And to try and upsell ppi style insurance. Just say no!!

If its a decline see what they say, that'll be by letter. It can be slow so give it 2-3 weeks before worrying.

You're not in debt are you so witheld calls won't bother you?

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Cheers for clearing that up mate! Ah, witheld numbers!

have to take a chance then lol. Getting quite a few of these now

Edit: Didn't mean i was doubting what you did say - just wondered what the calls added up to (if anything) A few people have said they get spammed when signing up with Experian (post and email)

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Missy it's gone for manual processing. Perfectly normal.

They'll ring you from a witheld number usually. Good luck

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

A partner that is linked to you would reflect against a cra and and share data between dca's.

I'd not worry.

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Ummmm, that's interesting to hear. It would be nice to hear others opinions on this.