hi
i have had my full final offer accepted
i havent got my receipt yet
how long do i have to wait to try to apply for a credit card with a medium limit on it
It would be better to wait until you get your certificate and come off of the Insolvency Register ... better still to wait until your credit file clears. I applied, and was accepted, for a Vanquis card after coming off the Register, but while the IVA was still on my credit files ... some others have been refused. It isn't always just down to your history, but the lenders targets also come into play and they get more receptive when they need to "make up the numbers". If you appy and get refused wait a while before trying again as you don't want clusters of refused searches cropping up.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Agree with Foggy - I would also say that you do a 'soft search' first so that no other creditors can see if you are turned down.
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