Can I apply for credit card yet?

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Post by catlover » Fri Aug 24, 2018 1:19 pm
We made our last payment to our IVA in Dec 2017 and are waiting for our completion certificate. :D (It's with Aperature so not holding my breath!) Is it too early to apply for a credit card? Not sure if we have to wait for our actual certificate first. No intention of using it like before, but as a way of rebuilding our credit score. Thanks


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Post by kallis3 » Fri Aug 24, 2018 1:28 pm
You can try but do a soft search to see if you will be accepted first.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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Post by Foggy » Fri Aug 24, 2018 1:33 pm
Technically, until you get that certificate, you are still in an IVA and bound by the agreement, so I doubt you will get one.
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Post by UpToMyNeckInIt » Fri Aug 24, 2018 3:15 pm
You might be able to get a card with Vanquis and/or Cash Plus. (Vanquis offered me a card 1-Year into my IVA!!!).

Providing you are sensible and re-pay in full each Month, using a credit card responsibly will, so I understand, assist you in improving your credit rating.

Good luck.
My opinions are just that: Based on my experience and being a self-employed IVA customer.


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Post by peersie » Fri Aug 24, 2018 3:45 pm
hi i got my completion cetificate then applied to update my current account with natwest
this was rejected so i then waited till name was off insolvency register[another 3 months]
the same day it came off i was able to upgrade account and got credit card approved
sorry for the not so good news but the sake of a few more months itll be worth it
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