Junk mail made me smile

Kevicho

Got a post through for "the vanquis visa card" with the slogan on the front...

"We'd like to give you the credit you deserve"

More junk mail i thought, turned the envelope rounds and was astonished to read

"typical 39.9% APR variable"

That will be filed away, in the bin (after checking there are no pre filled in forms or junk like that!

Am tempted to call them and say they should give me more credit that that as i will be staying away rom there sucky card!

Little_Miss_Winner

"typical 39.9% APR variable" :rotfl: :rotfl: :rotfl: :rotfl:

It saddens me to think though, that hundreds have probably received the same letter, but have not read the apr!

pot

DaisyNelson

I got this as well. Tore off my name and address and sent their rubbish back to them.

davek1

well thankfully even they turned me down LOL

then i saw the light and spoke to payplan!

Be warned Vanquis are owned and run by provident who do doorstep lending and charge nigh on 100% interest yes 100% ( ok 93.7%)

once theyv'e got you they wont let go.

Dave

pixie1

My goodness I must be REALLY in debt and in the bad books because this is one i didnt get LOL

magentadreamer

I got one as well! I filed it in the reyclcling bin -shreded!

Glittermonkey

I've just found a vanquis and an egg card!

Looks like it's done him a favour losing them, at that APR!

BWZN93

Do a search on the vanquis credit card instead of posting rubbish. Im tired of people complaining about them.

No I dont work for them, Yes I have one, No im not stupid and they have actually been very nice to me and many others on this board.

Jo xx

davek1

JW

No one suggesting your stupid but to be fair its an extortionate APR even if you allow for the risks involved. if you are happy with Vanquis fine but for many on here this would be a disaster getting involved with a card or vredit at thsi sort of rate.

Dave

magentadreamer

JW, your experience of them must be good, I don't have a card with them and with an APR of nearly 40% I've no intention of getting one, but I can see for some people who are desperate enough ie need to get hold of credit at any cost it being a major disaster if they can not clear a balance in full every month. I see them aiming at people with debts and just adding to them with their extortionate APR. However I can also see the logic of someone applying for one to repair their credit rating I just hope anyone who is tempted to do this never ever fails to clear their balance off every month.

tattooed_lady

Yes,the APR is bad but some people on MSE have reported getting 29.9% or thereabouts which is the same as Captital One's credit builder card. Don't forget, if you get a card like Vanquis and pay the balance off in full every month you won't get charged any interest -and it will help improve your credit rating.