After the Iva has fallen off credit file defaults all gone ect...
What’s the possibility of getting the basic everyday Santander credit card if you bank with them anyway, would there be any reason why u wouldn’t be looked at?
Apart from their usual criteria, there should be no reason they won't look at you. My bank through the IVA ( Co-Op) approached me to offer a CC when my credit record cleared.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014