Sub Prime Credit Thread Part II

Tef

sutton111 wrote: »

If you do apply for a SAR let us know the reply.

Good luck.

Certainly will, in the meantime will press ahead with Vanquis no instant decision there though

Regards

cifpower

Tef wrote: »

Certainly will, in the meantime will press ahead with Vanquis no instant decision there though

Regards

Hope you applied via Quidco

http://www.quidco.com/vanquis-visa-card/

sutton111

Tef wrote: »

Certainly will, in the meantime will press ahead with Vanquis no instant decision there though

Regards

They never seem to give instant decisions.

Give it 5 days and you may get a phone call. Ask them for you APR and credit limit if successful when receiving the phone call.

TheEffect

I've now got my Aqua and Vanquis card (Vanquis came today).

Am very surprised that Aqua is 35.9% APR on purchases and 39.9% on cash, and Vanquis is 34.05% on purchases and 41.196% on cash.

Though Vanquis would be 40% apr for purchases but its only 34%.

sutton111

TheEffect wrote: »

I've now got my Aqua and Vanquis card (Vanquis came today).

Am very surprised that Aqua is 35.9% APR on purchases and 39.9% on cash, and Vanquis is 34.05% on purchases and 41.196% on cash.

Though Vanquis would be 40% apr for purchases but its only 34%.

Well done!! Not too bad on the APR then.

Tef

sutton111 wrote: »

They never seem to give instant decisions.

Give it 5 days and you may get a phone call. Ask them for you APR and credit limit if successful when receiving the phone call.

Will do, thanks for that.

Regards

Tef

TheEffect wrote: »

I've now got my Aqua and Vanquis card (Vanquis came today).

Am very surprised that Aqua is 35.9% APR on purchases and 39.9% on cash, and Vanquis is 34.05% on purchases and 41.196% on cash.

Though Vanquis would be 40% apr for purchases but its only 34%.

Well done, would have applied for aqua myself but as its an RBS card that put me off having been declined by them for basic cc.

Tef

cifpower wrote: »

Hope you applied via Quidco

http://www.quidco.com/vanquis-visa-card/

Just reading that now, cheers for the heads up.

Regards

sutton111

Tef wrote: »

Well done, would have applied for aqua myself but as its an RBS card that put me off having been declined by them for basic cc.

Aqua doesn't have anything to do with RBS, it's part of the Halifax.

Tef

sutton111 wrote: »

Aqua doesn't have anything to do with RBS, it's part of the Halifax.

Umm.. Don't RBS Own the Hailifax now, HBOS ? It's been in the news a bit lately lol

Regards