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I just got turned down for a credit card with lloyds, aMA!

I just got turned down for a credit card with lloyds 5 minutes ago, which kind of sucks, and then i straight away applied for one with vanquis and got accepted! YAY...

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Reply 1
Avatar for 581371
581371
17
first time I've ever heard of vanquis
Reply 2
Avatar for Listers
Listers
1
I thought you bought a 42' inch TV yesterday?
They have different criteria. Vanquis are less stringent on credit rating, will charge higher APR and give you a lower credit limit.
Reply 4
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john2054
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6
Original post by 999tigger
They have different criteria. Vanquis are less stringent on credit rating, will charge higher APR and give you a lower credit limit.

Agreed they are for people with poor credit ratings, but i was so cross at lloyds turning me down, i needed a pick me up. I hope you can understand?
Original post by Zuki
first time I've ever heard of vanquis

They are a credit card which specialise in credit for people with poor or not perfect ratings/history. Like Marbles and capital one.
Original post by Listers
I thought you bought a 42' inch TV yesterday?

I did that as well correct. You have a good memory :wink:
Reply 5
Avatar for Napp
Napp
22
Not a company you really want a CC with to be honest...
Are you an impulsive buyer?
Turned down for what?
Original post by SeanFM
Turned down for what?


Is this... a reference... to....?
i have been offered credit card and i wouldn't take one
hell i'd consider minor organ donation over a credit card to be honest
especially thinglike vanquis and capital one i have been offered them a few times but rejected them
it a lot better to get an asset backed loan lower interest and there's real motivation to make repayments
Original post by jamesthehustler
i have been offered credit card and i wouldn't take one
hell i'd consider minor organ donation over a credit card to be honest
especially thinglike vanquis and capital one i have been offered them a few times but rejected them
it a lot better to get an asset backed loan lower interest and there's real motivation to make repayments


Why? Credit cards are really useful? Just gotto be responsible.
Original post by john2054
I just got turned down for a credit card with lloyds 5 minutes ago, which kind of sucks, and then i straight away applied for one with vanquis and got accepted! YAY...


Don't blow it all at once.
Original post by hezzlington
Why? Credit cards are really useful? Just gotto be responsible.


i know people who had them and they always advised me against getting one so i vowed not to
there's little point until you need it or have a reason to get one
Reply 13
Avatar for Napp
Napp
22
Original post by hezzlington
Why? Credit cards are really useful? Just gotto be responsible.


In fairness its rather easy to say that when you're not on hard times as if you run into financial trouble seeing your credit card problems blow up is overly easy and reltively unavoidable..
Reply 14
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john2054
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6
Original post by Napp
Not a company you really want a CC with to be honest...


Original post by hezzlington
Are you an impulsive buyer?


Original post by SeanFM
Turned down for what?

a lloyds credit card
Original post by Pokémontrainer
Is this... a reference... to....?

credit cards
Original post by jamesthehustler
i have been offered credit card and i wouldn't take one
hell i'd consider minor organ donation over a credit card to be honest
especially thinglike vanquis and capital one i have been offered them a few times but rejected them
it a lot better to get an asset backed loan lower interest and there's real motivation to make repayments

i love credit cards, this will be my fourth credit card, and my fifth overdraft. I have about £6000 credit at the moment, but i just want to see what this new company will give me. Hopefully at least one thousand straight away. Stay tuned!!
Original post by john2054

i love credit cards, this will be my fourth credit card, and my fifth overdraft. I have about £6000 credit at the moment, but i just want to see what this new company will give me. Hopefully at least one thousand straight away. Stay tuned!!


that the problem those i know people who start with a £500 card and they just kept going worst one is my mum's friend's ex-husband at the worst he had £40,000 on credit cards, a £160,000 on car finance and a £1,800,000 mortgage
Reply 16
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john2054
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6
Original post by jamesthehustler
that the problem those i know people who start with a £500 card and they just kept going worst one is my mum's friend's ex-husband at the worst he had £40,000 on credit cards, a £160,000 on car finance and a £1,800,000 mortgage


Wow he must have had some nice moves that kid?!

I seriously need to get a mortgage, but we couldn't get one in my name, because i don't have a job. my wife on the other hand?!?

I think my six thousand on credit is small fry compared to that man. Seeing as all of my banks are mainly with internet poor credit banks, i don't think they'll ever give me £40k. My most on one card is £2,100 at the moment with marbles, god bless them!
Original post by jamesthehustler
that the problem those i know people who start with a £500 card and they just kept going worst one is my mum's friend's ex-husband at the worst he had £40,000 on credit cards, a £160,000 on car finance and a £1,800,000 mortgage


Better to fake your own death and move to Mexico to set up a falafel stand

(i know falafels aren't mexican, gotta think about the USP)
Original post by Aristotle's' Disciple
Better to fake your own death and move to Mexico to set up a falafel stand

(i know falafels aren't mexican, gotta think about the USP)


he tried to hid in australia then he fail to pay tax coped 5 years over there and came back to find everything had been foreclosed as he had failed to make payments on it
Original post by john2054
Wow he must have had some nice moves that kid?!

I seriously need to get a mortgage, but we couldn't get one in my name, because i don't have a job. my wife on the other hand?!?

I think my six thousand on credit is small fry compared to that man. Seeing as all of my banks are mainly with internet poor credit banks, i don't think they'll ever give me £40k. My most on one card is £2,100 at the moment with marbles, god bless them!


of course that was all before the recession though

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