V A N Q U I S

Daveyj2009

Must admit ive never had problems using card but a £250 limit is rather restricting and frankly useless to me it just annoys me that i know people with 1/4 my income with credit cards with £2-3000 limits and all i can get taking into account ive never missed any payments on any debts is a sub prime card with a £250 limit :mad:

cifpower

Daveyj2009 wrote: »

Just had my 4th statement no increase in limit Current limit still £250 payed in full every month i just dont get it.

I didn't get my first increase until my 7th month

borders_dude

I never missed a payment, always on time, never over limit. I didnt get an increase for nearly a year.

ARTooD2

Does anyone have any experience in appealing to vanquis as in have they ever said yes and how long it takes them to get back?

never-in-doubt

Yes you can appeal and yes they have overturned decisions and it takes as long as is necessary - can be 2 weeks to 4 weeks.... usually they will send the card or they will ring you.

never-in-doubt

borders_dude wrote: »

I never missed a payment, always on time, never over limit. I didnt get an increase for nearly a year.

I've just had statement 11 and still on £500 - went from £250 to the 500 after 5 statements if I remember right....

selecta_c

I've had increases every six months since opening my account.

ARTooD2

Well have sent off my appeal. Doubt it will have any affect...and they better not steal my payslips :rotfl:

elfen

Rather stupid question, how long does it take to open a Vanquis c/c? Have old defaults from 2006 and 2007 but all things I've had since then (student account, phone contract) have been paid on time and used properly (no late payments, no fees, etc) and I'm paying back what I owe albeit slowly. Do you need to send them in anything if they approve you? Oh, I am on the electoral roll too now, so that may help?

cifpower

If you are accepted they will give you a call - normally within a day or two of applying. After the call they will send your card out and it can take up to 10 days for receipt. You really do have to be on the electoral roll to have a good chance of being accepted so that ticks a box.