Will applying for Vanquis have any other effects?

[SA Gold]

Re: Will applying for Vanquis have any other effects?

I mean another from their range mate

They all started at £1k - now all are over £4k

Got ya

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

I mean another from their range mate

They all started at £1k - now all are over £4k

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Should be £1,000-£2300 matey.

They increase every 3 months too.

Result!

Oh, after this comes make a payment then apply for another

When you say another; i assume you mean another card in their range, or from another provider?

I know someone who now has 5 accounts all with £4k limits+

Nuts!!

Wow, that's pretty good going in this day and age. It seems most credit card applications now are like, 1K or 2K.

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Should be £1,000-£2300 matey.

They increase every 3 months too.

Oh, after this comes make a payment then apply for another

I know someone who now has 5 accounts all with £4k limits+

Nuts!!

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Hmmm they should be able to discuss it with you if it's in the post lol.

Give it a few days or try again and get different agent

It was sods law that this time i spoke with someone who was willing although just as the call started, my boss started showing new clients around and was within ear-shot. Typical! He did ask me to set up a telephone PIN so i guess the account is there, just need to see how much of a limit they have given. Hopefully enough to pay off the card specified in the balance transfer, only at 0% - assuming they have given me the standard t&c's for the card that is!

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Hmmm they should be able to discuss it with you if it's in the post lol.

Give it a few days or try again and get different agent

[SA Gold]

Re: Will applying for Vanquis have any other effects?

When did you last call up?

just now mate.

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

When did you last call up?

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Lol nice - fingers crossed matey

cheers mate. i'll keep you posted

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Lol nice - fingers crossed matey

[SA Gold]

Re: Will applying for Vanquis have any other effects?

Lets wait and see, don't worry about this even if it does decline, the good thing is these are easier to get than even your own bank so that tells you a lot, if indeed they do say no.

Still nothing through the post, called them, gave the reference number to some dude who said the card was in the post!
Happy days!

[SA Gold]

Re: Will applying for Vanquis have any other effects?

I do/did

A couple I have decided - sod em; Opus I took to the cleaners and HSBC screwed me so I screwed them - so that lost 4

I can't discuss it publicly, but anyway!

ah, that sounds more like it

Looks like a decline with this one mate. Just called them, placed on hold and then was told i will hear in writing within 10 working days. I asked if they can see the status of my application on their screen and apparently it just tells them its pending which i guess is cr@p. Wonder why they don't want to just say no on the phone?

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

ah, for some reason i thought you had more than that

I do/did

A couple I have decided - sod em; Opus I took to the cleaners and HSBC screwed me so I screwed them - so that lost 4

I can't discuss it publicly, but anyway!

[SA Gold]

Re: Will applying for Vanquis have any other effects?

I only have Bank of Ireland Gold & Capital One mate.

Lets wait and see, don't worry about this even if it does decline, the good thing is these are easier to get than even your own bank so that tells you a lot, if indeed they do say no.

Don't worry, just sit back until end of the year then go again. Lets see what the official line is, they may accept you - after all I got accepted from other lenders (mainstream) with some very strange credit entries (20+ defaults)

ah, for some reason i thought you had more than that
Thanks for words of encouragement mate. I guess its either a yes, or no - hopefully the former

[Never-In-Doubt]

Re: Will applying for Vanquis have any other effects?

Will do mate, i guess the manual review only takes a minute or two for someone to take a manual look at credit file and that the person i spoke with didn't want to be the bearer.....

Ah, that's a shitter mate, but i see you are doing OK card wise elsewhere

I only have Bank of Ireland Gold & Capital One mate.

Lets wait and see, don't worry about this even if it does decline, the good thing is these are easier to get than even your own bank so that tells you a lot, if indeed they do say no.

Don't worry, just sit back until end of the year then go again. Lets see what the official line is, they may accept you - after all I got accepted from other lenders (mainstream) with some very strange credit entries (20+ defaults)