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  • #91
    Re: Will applying for Vanquis have any other effects?

    I have a CCJ from November 2010, cards from Next, Aqua, Cap1 and Vanquis, all up to date plus extra defaults which should all fall off within the next 6 months. Any suggestions as to when it would be worth applying for a card that isn't sub as Creation have just rejected me.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #92
      Re: Will applying for Vanquis have any other effects?

      Originally posted by cymruambyth View Post
      I have a CCJ from November 2010, cards from Next, Aqua, Cap1 and Vanquis, all up to date plus extra defaults which should all fall off within the next 6 months. Any suggestions as to when it would be worth applying for a card that isn't sub as Creation have just rejected me.
      Im only aware of main stream looking back three years so if that's correct for CCJ's (as well as defaults) then i would assume you could apply a month after the defaults become 3 years old if that makes sense.
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #93
        Re: Will applying for Vanquis have any other effects?

        Remember!! Vanquis is a stepping stone as part of the "Getting back on the credit ladder" routine. Even if you don't want it it's worth applying as once accepted the green 0's ONLY serve to benefit you long term.

        Debts older than 3yrs isn't an issue to Vanquis. If they decline wait and reapply for a usual accept
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #94
          Re: Will applying for Vanquis have any other effects?

          Originally posted by missy View Post
          2nd payment due end of the month mate. I used it to pay a small balance off my Tesco Mastercard at 0% so i have the DD set to minimum and then log in and pay a bit more off. Be nice to get it paid before the 0% offer falls off.
          Time to apply for another of Creations cards then matey
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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          • #95
            Re: Will applying for Vanquis have any other effects?

            Originally posted by cymruambyth View Post
            I have a CCJ from November 2010, cards from Next, Aqua, Cap1 and Vanquis, all up to date plus extra defaults which should all fall off within the next 6 months. Any suggestions as to when it would be worth applying for a card that isn't sub as Creation have just rejected me.
            The CCJ will stop creation, it's too new. Wait 6 months (Dec) till after the feed update so the CCJ is 3+ years old then reapply. You should get one then. All ADVERSE debts need to be 3+ years old to realistically get mainstream credit
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #96
              Re: Will applying for Vanquis have any other effects?

              Originally posted by Never-In-Doubt View Post
              Time to apply for another of Creations cards then matey
              Just been blown out mate. Should i diary six months and re-apply, or should i be looking at a Cap1 improver job/my own bank then? (Was planning on own bank in Jan as 3 year default date is December)
              Attached Files
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #97
                Re: Will applying for Vanquis have any other effects?

                Ouch! Could different cards within the same group be scored differently? That is the one I applied for.
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #98
                  Re: Will applying for Vanquis have any other effects?

                  Originally posted by cymruambyth View Post
                  Ouch! Could different cards within the same group be scored differently? That is the one I applied for.
                  Its certainly possible CB.
                  The creation balance transfer card offers the same as the Flybe they gave me and additionally 3 months interest free on purchases.

                  Edit: So you were also given a Flybe and rejected on the balance transfer?

                  When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #99
                    Re: Will applying for Vanquis have any other effects?

                    No I failed at the first hurdle on a red card!
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #100
                      Re: Will applying for Vanquis have any other effects?

                      Originally posted by cymruambyth View Post
                      No I failed at the first hurdle on a red card!
                      ah right. I wonder if perhaps the Flybe is slightly easier to obtain due to the lack of interest free purchases perhaps?
                      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #101
                        Re: Will applying for Vanquis have any other effects?

                        And maybe the fact that a lot of people on sub credit can't afford to use their free flight!
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #102
                          Re: Will applying for Vanquis have any other effects?

                          Originally posted by cymruambyth View Post
                          And maybe the fact that a lot of people on sub credit can't afford to use their free flight!
                          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #103
                            Re: Will applying for Vanquis have any other effects?

                            I explained in another thread (Lloydjones) last night that creation score different cards differently.

                            Flybe is a mid range easyish one to get.

                            http://forums.all-about-debt.co.uk/s...ngs-looking-up
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #104
                              Re: Will applying for Vanquis have any other effects?

                              Originally posted by missy View Post
                              Just been blown out mate. Should i diary six months and re-apply, or should i be looking at a Cap1 improver job/my own bank then? (Was planning on own bank in Jan as 3 year default date is December)
                              Bugger. Ok hold fire. That means you just passed first time so they need 6 months payments in time. Wait till February mate and apply to bank then sygma if you wanted to, afterwards.
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

                              • #105
                                Re: Will applying for Vanquis have any other effects?

                                Originally posted by Never-In-Doubt View Post
                                Bugger. Ok hold fire. That means you just passed first time so they need 6 months payments in time. Wait till February mate and apply to bank then sygma if you wanted to, afterwards.
                                Thanks mate, diary set
                                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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