V A N Q U I S

kilasuit

Deleted_User wrote: »

Had my Vanquis card nearly a year now and had £250 limit from the start. Yesterday I got a text message with the sender as "CardService" saying that my Vanquis credit limited has been increased to £1000. It also stated my current balance as of 25/06/2010 which matches what I owe on this months statement.

I'm scared to use it in case it hasn't been increased and it declines at the till!

But I take it it must be genuine if whoever the texter was knew my current balance!

Its genuine

No need to worry about being able to use it or not.
Just remember its a high APR card so best best is to spend what you can repay in full the next month

Funkygibbon

I've had a Vanquis card for about 2 years now. I got a text saying that my credit limit had increased to £2500, had a letter yesterday to confirm that it was increased. This was the first time I'd had a text but still got the letter as well.

Broken_hearted

Finally got rid of my Vanquis card. Can anyone explain why someone would want to keep a card with such a rip off interest rate and poor customer service.

izools

Broken_hearted wrote: »

Finally got rid of my Vanquis card. Can anyone explain why someone would want to keep a card with such a rip off interest rate and poor customer service.

Well for the same reason you had it of course, because they are finding it difficult getting credit elsewhere and want a tool to build up positive repayment history on their credit file after a patch of bad credit or because they are new to credit.

Everyone has to start somewhere And everyone has the option to set up the account with a Direct Debit for the full amount so that no interest is paid.

Of course I'm the last to advocate Vanquis' customer service and would rate the Halifax Aqua customer service team as streets ahead any other sub prime customer service credit card team I've ever spoken to.

The "Chatham Chavs" that support the Vanquis card could do with being flushed down the toilet and be replaced with a laptop in India, you'd get better advice.

Best to use the card little enough that you never need to call them and get rid as soon as ye can get a card elsewhere, like you and I have

[Deleted User]

yes I always pay it off. I have a Aqua card and a Halifax classic visa card too. I use them for credit rating building and sometimes on large purchases and pay off over 2-3 months with the Halifax classic as it's a slightly lower APR rate.

Gillianh2

Well after reading thru I am feeling pretty depressed:eek: Thought sure and positive the nice peeps at Vanquis would give me an increase after 4th Statement:beer: But that does not seem to be the case. Here I was getting all excited waiting for postie to bring statemnt no4 and it looks like I could still be waiting till statement 15 roflol. Oh well no-one to blame but myself.:rotfl::rotfl:

DizzleUK

Gillianh2 wrote: »

Well after reading thru I am feeling pretty depressed:eek: Thought sure and positive the nice peeps at Vanquis would give me an increase after 4th Statement:beer: But that does not seem to be the case. Here I was getting all excited waiting for postie to bring statemnt no4 and it looks like I could still be waiting till statement 15 roflol. Oh well no-one to blame but myself.:rotfl::rotfl:

Or longer. Never missed a payment, credit rating is a million times better than it was when I took the card and still waiting.

skylight

A Gold Card!!

How can I get one of those????? Is it really pretty????


I have had my blue one for just over a year now, only 39.4ish% (Lucky me!) and a limit of £1250. Monthly bill paid in full that's never missed and never over limit. Not employed though. Have other credit that's all paid off each month (catalogue and bits etc).


Actually I love Vanquis. The only one to give me a card. I use it a little more sparingly than I ought, but each time I have spoken to customer services they have been friendly and helpful.

kilasuit

Broken_hearted wrote: »

Finally got rid of my Vanquis card. Can anyone explain why someone would want to keep a card with such a rip off interest rate and poor customer service.

i'll probs keep it knowing that it has a high limit (and apr too) incase i really need it. and with a 9 month old its most likely to happen at some point in the near future.

UNHAPPY_2

i got a credit card last year sometime, used it paid it off then used it again and missed a payment 1 time due to not getting the monthly bill, told them this but was told its my responcibility yada yada, i got a ltter from them telling my limit was lowered to £500 which funnily enough was what i thought it was anyway, they forgot to tell me they had raised it lmao so i paid it all off months ago and have not used it since, mainly down to the fact i dont know the pn and cant be botherd to get it reset so all in all they did me a favour by not sending me that 1 monthly bill 8O)