V A N Q U I S

callum9999

I wish I knew this sooner! I just interpreted "looking after your account" to mean paying off what you buy in full/relatively quickly!

I tend to use my capital one card over this because you can see how much you have spent online (even though its got a really low credit limit).

almost_there

I have never used my card up to its limit, but have always pay in full every month. I got my 1st increase to £500 after statement no 3, at this point they had only received 2 payments from me.

selecta_c

I've had my card just over two and a half years,have never been anywhere near my credit limit and have had five increases.

never-in-doubt

aron wrote: »

Why am I a cok? :rotfl:

Cos you're a class 1 nob! :rotfl::rotfl::rotfl:

dawnie1972

Just to warn everyone to check your vanquis statements thoroughly - got my statement last week and had been charged purchase interest despite paying in full every month - rang them and this was an error - good job i noticed!

NekoZombie

Card finally arrived. £250 limit, on Band D rather than Band E. Horrendous APR but happy days.

magiciansgirl

dawnie1972 wrote: »

Just to warn everyone to check your vanquis statements thoroughly - got my statement last week and had been charged purchase interest despite paying in full every month - rang them and this was an error - good job i noticed!

You and me both! I always pay in full by DD. Noticed purchase interest £3.76 in Jan statement - hurrumph. Then checked all previous statements (took out card last Feb) and the wotsits had levied that £1 Minimum finance charge 4 times but not in consecutive months. And study of statements also showed they had put up the Purchase Interest in November WITHOUT notifying me in writing 30 days in advance - or at all. Okay so I don't pay interest anyway but with these other mistakes I am fairly fed up with them. So have written a formal letter of complaint. Do they wrongly assume that we won't notice small errors just because we are sub-prime at the moment? Grrrr

wizzywig27

magiciansgirl wrote: »

You and me both! I always pay in full by DD. Noticed purchase interest £3.76 in Jan statement - hurrumph. Then checked all previous statements (took out card last Feb) and the wotsits had levied that £1 Minimum finance charge 4 times but not in consecutive months. And study of statements also showed they had put up the Purchase Interest in November WITHOUT notifying me in writing 30 days in advance - or at all. Okay so I don't pay interest anyway but with these other mistakes I am fairly fed up with them. So have written a formal letter of complaint. Do they wrongly assume that we won't notice small errors just because we are sub-prime at the moment? Grrrr

I have had 3/4 statements, and not noticed any charges, I will an eye out for them!

Are you REALLY a magicians girl? Cant he make the APR/charges disapear?

rev_henry

magiciansgirl wrote: »

You and me both! I always pay in full by DD. Noticed purchase interest £3.76 in Jan statement - hurrumph. Then checked all previous statements (took out card last Feb) and the wotsits had levied that £1 Minimum finance charge 4 times but not in consecutive months. And study of statements also showed they had put up the Purchase Interest in November WITHOUT notifying me in writing 30 days in advance - or at all. Okay so I don't pay interest anyway but with these other mistakes I am fairly fed up with them. So have written a formal letter of complaint. Do they wrongly assume that we won't notice small errors just because we are sub-prime at the moment? Grrrr

Could you elaborate on the min finance charge thing at all?

chickencurry

Cant believe it, got declined today! I'm on electrol roll and always have been and credit files show 3 defaults, all 5 yrs old! Really didnt expect to be declined!