
cuchiandme
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Vanquis card application query
cuchiandme replied to cuchiandme's topic in Provident and associated companies.
are you suggesting i do not know how to manage my credit? i thought you were here to help...i have no problems managing my credit...it was only one late payment because my illness was so bad at the time.. -
Vanquis card application query
cuchiandme replied to cuchiandme's topic in Provident and associated companies.
ok thanks...and no impact on credit file? -
Vanquis card application query
cuchiandme replied to cuchiandme's topic in Provident and associated companies.
but if i do.. and apply for lower interest one... will that mean an immediate rejection? -
Vanquis card application query
cuchiandme replied to cuchiandme's topic in Provident and associated companies.
just applied today. was successful. no it is actually called Aquis. not received yet -
hi, my query is..this.. .can i cancel a credit card after applying? the reason being i chose the wrong one with higher interest. .i chose vanquis instead of Aquis.. . called vanquis but was told they could not change it. ..i am thinking if i do change it ...or cancel it. ..this could have an impact on my credit file. ..can anyone please advise?
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Equifax shows yellow, and before was green..and i get a "fair" credit rating..and "ok"...not exactly where i was
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thanks for replies, always much appreciated.. the calendar section has marker for feby. i received another call from b.c. today.. they are trying to ascertain the reason for late payment.. she is going to review it again based on what i am telling her over the phone.. i told her i can get medical proof for illness..she replied, perhaps later they might require that. it tells me , they can remove it... based on the reason..this is a onetime late payment marker..otherwise my files are totally clean of problems, but this ofcourse is making an impact on my credibility.
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Can anyone help? i finally got my credit record straight.. and then in february due to my S.A.D... i missed a payment on 2 credit cards.. i got on the phone as soon as i could to get it sorted.. but at the time i was unable to do much.. because i was ill and sleeping a lot and i live alone.. its difficult to describe unless one suffers from this.. now to my horror after explaining everything , i found 2 late payment markers in that month one for each card respectively.. i am told this will stay on my file for 7 years...