V A N Q U I S

Chad_as_yer_dad

cifpower wrote: »

Maybe Next don't want to miss out on a sale so they soft search you to see if they can increase your limit.

Maybe yeah. I'll expect to get a big fat no then with the state my credit file is in.

And I wouldn't mind paying the extra in cash for the item which is a bit annoying, I'll just go buy it outright next week if the order gets cancelled.

hax_2

izools wrote: »

VANQUIS are very naughty - they quote the simple interest rate with the card - 34.07% or something like that?

This is actually 39.9% APR; but they don't compound the interest when quoting it on correspondence

Spot on. Capital One do the same!

Chad_as_yer_dad

hax wrote: »

Spot on. Capital One do the same!

Cheeky blighters, I thought I was on tier C and a half when I got my card through, there I was getting all excited that I had got a preferential rate.

BankReclaimRebel

borders_dude wrote: »

They seem to have kept that quite.

Can anybody confirm that this isnt a scam to steel info

Didn't Vanquis tell the previous poster to use this site?

BankReclaimRebel

Chad_as_yer_dad wrote: »

Did you know you can pay online at vanquis now? I didn't realise it was an option until I spoke to them yesterday.
Here is the link if anyone wants it...

clicketyclickclick

also how do I get a text of my balance? or do I have to ring up for that?

Has anyone else used this service and can confirm that payment actually went onto the account?

never-in-doubt

BankReclaimRebel wrote: »

Has anyone else used this service and can confirm that payment actually went onto the account?

Yes I use it every month (but remember Vanquis also accept faster payments).... :beer:

Innocent_Guy

never-in-doubt wrote: »

Yes I use it every month (but remember Vanquis also accept faster payments).... :beer:

I never knew about this! I do pay in full tho

never-in-doubt

Innocent_Guy wrote: »

I never knew about this! I do pay in full tho

Ahh, it mentioned on the back of a statement a couple of months ago I think - I can't remember exactly mate but its in my bookmarks and I use it to clear the balance after the DD takes min amount.... :beer:

Its not instant to the account though, same as faster payments - it accepts FP but they take a day or two to hit the account :mad:

Innocent_Guy

never-in-doubt wrote: »

Ahh, it mentioned on the back of a statement a couple of months ago I think - I can't remember exactly mate but its in my bookmarks and I use it to clear the balance after the DD takes min amount.... :beer:

Its not instant to the account though, same as faster payments - it accepts FP but they take a day or two to hit the account :mad:

Cool, I will take a look at the back of my statements.

Arwen

Well I am completely shocked to find that my new Vanquis card has a lower APR than my MBNA card, who doubled my interest rate.:mad:

Btw, I am paying off the MBNA card properly, and the Vanquis is only ever used in the case of COMPLETE emergencies,and I haven't found one yet.:T