I just applied for my first credit card with Barclay's and was refused and I got a form from Vanquish,I am a bit concerned if this is a good step,I have a steady job and can meet up with my monthly bills.Should I go ahead and fill the forms?
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.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi and welcome. If your IVA is finished assuming you've had one, Vanquis can be fairly helpful in rebuilding your credit rating until you get a High Street Card.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I too was in an IVA, finished last March. I got a Vanquis card in April and it has been helpful in rebuilding my credit history up. It should have made you very disciplined being in the IVA so having a card shouldn't be a worry. FYI my limit was £500 to start, up to £1000 in September and now up to £2000.
I am close to the end of my arrangement and checked my credit score for free on Noddle. I'm currently 1/5 (v.poor to poor) and Aqua came up as a provider who may let me have one, not that I am going to try just yet. So they might be an option.
Final payment 1st April 2016.
Completion Certificate received 19th May 2016.
