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cuchiandme

Vanquis card application query

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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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Aquis

you mean Aqua..just as bad...

 

when did you apply for the vanquish card

have you used it?

 

dx

 


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Posted (edited)

just applied today. was successful. no it is actually called Aquis. not received yet

Edited by cuchiandme

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yes you can cancel within 14days

read the T&C's

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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but if i do.. and apply for lower interest one... will that mean an immediate rejection?

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nope under the CCA you are entitled to cancel within 14 days.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok thanks...and no impact on credit file?

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how?

it doesn't exist..

the search might be there for a while but that's about it

you cant be penalised for cancelling a contract within the legally allowed 14 days.

 

pers I cant see why you want any credit..

you enough issues with credit here already..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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..

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not sure what that relates too...

but I was merely commenting upon the amount of issues you've had here in past threads with old credit etc

inc courts cases as well.

 

you've seemed in the past to be quite obsessive with and at odds with info on your credit file and wanting to get a perfect credit file again.

 

 

now you want to trash it again by getting a sub prime card

just puzzled as to why?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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