Of course, you can fix the problem and start to build new positive credit history in a short time. But from now them main thing you should mention is not to make bankrupt again. because lenders usually take into consideration the fact that if someone filed a bankruptcy repeatedly second time.

For a while you can rebuild your credit score and only after that to apply for new credit cards. But i think in modern market there are much better offers than vanquis cards.

Hi there,

now i have never been bankrupt BUT i did live and work out of the country for several years and made the foolish mistake of closing down all my uk accounts before i went. when i returned i had no uk history for several years so i could get nothing, my experian showed very little, and i was a pain.

i too applied to capital one and after sending in ID they accepted me with a £200 limit, after 4 months they increased my limit to £500 which was good (still very little), several months later they still have not increased it any more despite paying it in full every month BUT to my surprise my bank Lloyds upgraded my account to a platinum account (which although it costs £15 a month comes wih lots of great extras including travel insurance which is handy cos i travel a lot), BEST NEWS YET TO COME - they then offered me a credit card with a £6000 limit, and just to see what happened I applied last month for an MBNA card, they did ask for address verification for last 3 years but then accepted me for a £8200 card, so within a few months i seem to be on track.

My experian still shows as very poor BUT i guess with 6 months of history on there with these cards I will soon find that increasing.

I mean for me I use the cards now for day to day and settle most each month, i do leave a small balance so that they make a few quid in interest but it goes to show with dedication you really can quickly build up a rating, Capital one may be expensive and less than generous on limits but without them I am sure I would have no credit now.

Good luck!

hi jt

just to let you know that i recieved a letter from halifax today to say that i did not meet their requirements to be accepted for their classic card. oh well i'll try sumit else in a couple of months.....

Hi my first card was a mastercard which i still use, then i applied for a capital one card which i got, they increased my limit last week after i had 4 months, i dont pay them in full, I heard if peoples pay them back in full then they dont like that, so i always more than the minimum amount but always leave a balance in their so they get interest from me, of course on our credot file it shpws us as paying on time and adds to our GOOD record for other companies to look at