Vanquis card rejected

[Kevin43]

Hello Guys,
I have recently completed IVA via F&F ang got the certificate last week. I just applied for the Vanquis and got rejected straightaway. I thought they are accepting people with poor credit history. Is it worth them to reconsider the decision by supplying payslips, rental agreement etc. I am now earring very descent salary. Don't know why I am being rejected.

Thanks

[Shining]

Hi, well done on F&F and getting what I assume is your completion certificate. Did you apply before getting the certificate? Although I am aware some people do and are given a card so not sure why you've not been.

Maybe someone else has been or is in a similar position.

[Kevin43]

Hello Lesley,
I have applied after 1week of receiving the CC.

Thanks

[Shining]

Your IVA may well still be on your credit files and it's only a guess but it may be one of the reasons for rejection. Have you checked?

[luluj]

I think its as Lesley says ..too soon after the certificate being issued. I know for us Vanquis took six months to approve my husband for a card which was fine as we just wanted a back up

[Pandy]

my friend got one a few month before her CC was issued, she did it by telephone and spoke to a real person, try ringing them and applying. She was upfront and did tell them about her IVA. This was only 6 months ago so don't think their systems would have changed that much in that time.

[Lisa Thomas]

Make sure your credit records are all updated. You might also want to wait until you've dropped off the Insolvency register too. This takes up to 3 months post CC. Check here: http://www.insolvencydirect.bis.gov.uk/eiir/

[Shining]

Here's a couple of links that may help:
http://beatmydebt.com/individual-volunt ... -after-iva

http://pjgrecovery.com/clean-up-credit-rating.asp

[Kevin43]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Kevin43

Hello Guys,
I have recently completed IVA via F&F ang got the certificate last week. I just applied for the Vanquis and got rejected straightaway. I thought they are accepting people with poor credit history. Is it worth them to reconsider the decision by supplying payslips, rental agreement etc. I am now earring very descent salary. Don't know why I am being rejected.

Thanks

[mikepapa]

I applied for a vanquis card 6 months before my IVA completed, i applied by post and they also telephoned me at home and asked a few questions but was accepted over the phone with a £500 credit limit, i use it for certain purchases but pay it off every month .

[hwima]

I applied for mine 2 months before making the final payment and it was approved straight away.

[simon1883]

Just had a quick look at the link supplied above.... Way too much info available there in the public domain....