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  1. advice would be appreciated I have built my credit up using Vanquis capital one cards they are high interest cards now my credit is fine I'want to apply for reasonable rate card should i cancel these cards before applying or keep cards advice would be appreciated . second query applied for balance transfer card checked on Experian it said I had 95 %

    of getting card  .  I got declined FOR CARD I  checked with bank who said they believed my income was low and to check with Equifax .  I checked with both credit agency who said they don't keep income history any help would be appreaciated 

    1. unclebulgaria67


      So what balance approx. do you have on your Vanquis card at the moment and what credit limit do you have ?


      Is your credit record clean ?  No defaults, late payments, CCJ's ?


      You cannot go by a credit score or what Experian indicates.  Credit card companies/banks will risk assess you based on a number of different factors. E.g how long you have been in employment, how much do you earn, how long you have lived at an address, whether you own your own home.  

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