Dear All, Thankyou all for your useful comments. Indeed MBNA we're on of the previous creditors and that thought never crossed my mind. I am after a card to try and improve my credit rating. Have no intention of getting into the mess as before. So Vanquis for a card and then only use it for petrol a...

Hi, I completed my IVA successfully in March 2010, but still to date I cannot obtain any credit. Can you offer any advice on what I can do to improve this? I recently applied for a Virgin Credit Card and got declined - I cut and paste this from the reply 'We reviewed your application using a credit ...