Vanquis card approved and then further questions?

[jacki99]

Hi,

 

I am new to posting but not new to the site. I cam on really for a little bit of advice.

I am trying to improve my credit rating. A few years ago it was terrible so I've been paying things off and not applied for anything other than this card.

I was declined....however, I then received a form through the post to fill in, one of their "invitations" so I filled it in and a week later I got a call asking for my bank details as part of verification.

I then got another call saying that they have trouble verifying people who use my bank and so asked for my driving licence number. I gave this and was then asked to set up a direct debit.

 

After setting that up, I was told I was approved and offered £100 cash advance. I said yes ok I will have that and it was due to go into my account by tomorrow.

 

However, I got a text today saying the £100 has been cancelled and to call them!

I called and the lady said they need to see proof of my bank details and that nothing will be sent out to me until they can verify these. They need to see my name, address, account number and sort code.

 

So I have just got the front page of my bank statement showing all of this information and put it into an envelope to send off. Is this usual practice as it seems very strange to me?

 

Will this one piece of paper be enough? They said they only want to verify the details so that surely is plenty. Or is this just messing me around and then I will get declined?

 

I've not heard anyone else say that this has happened to them before. Please respond if you can thanks.

[snowdragon]

hi, have you seen how high the APR/interest is on these cards? tbh they could land you in more debt, I am sure someone will be along to help and guide you as I am not in a position to do so. Good luck

Sandy

[havinastella]

If you want to improve your Credit rating, DON'T go anywhere near a sub prime credit card.

 

Why oh WHY would you even consider a £100 advance?

 

Cancel everything now.

[Bazooka Boo]

IMO I would leave these vultures well alone, they only prey on victims who can't get credit,

they will do nothing to help you rebuild your 'credit rating', now you'll be on a huge phishing list

of other parasitic companies looking to exploit you, wait for the deluge of deforestation to hit your

doormat from the likes of Provi etc wanting to 'help' you rebuild your credit.

 

Not with a barge pole springs to mind.