vanquis credit card

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Skippy

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Post by Skippy » Fri Apr 05, 2013 5:59 pm
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I've got both sponge! The Cashcard+ account is on my credit files but my full Flexaccount (from pre BR obviously!) doesn't. I mentioned it to Experian and they said to ask Nationwide to start reporting to them but I haven't as I didn't want to cause myself any problems!
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sponge

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Post by sponge » Fri Apr 05, 2013 6:23 pm
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Foggy I don't see it that way at all. If I were an underwritter and it's your first card, you'd be welcome regular card, that's cos I'll know you'll have no debt....but....not...for....long

That's how I say it works, any takers?
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Skippy

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Post by Skippy » Thu Apr 18, 2013 12:14 pm
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To follow on from this, I had a Vanquis card after my BR and have just got a Nationwide Select credit card. I was credit checked for this and the Vanquis card obviously didn't cause any problems.
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Shining

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Post by Shining » Thu Apr 18, 2013 1:14 pm
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What about an Aqua card, I've been doing a bit of research and see this is for those of us who wants a card but has a less than squeaky clean history. Anyone any thoughts on this one or are they all much of a muchness including Capital One?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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sponge

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Post by sponge » Thu Apr 18, 2013 5:55 pm
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You'll have to help me out here a bit your last IPA payment is that the same as 5 year IVA thing last payment and then six years the BR drops off, so CR all clear 28th June 2011?
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Skippy

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Post by Skippy » Thu Apr 18, 2013 8:44 pm
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An IPA is for 36 months. I went BR in March 2007, finished my IPA in June 2010 and my BR dropped off in March 2013.
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wiggle1

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Post by wiggle1 » Thu Apr 18, 2013 8:56 pm
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So can you apply for something like a vanquis card after you finish paying the iva but before getting th cc?
Life after IVA is wonderful.
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Shining

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Post by Shining » Thu Apr 18, 2013 9:23 pm
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some IP's say this is ok to do so yes.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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