V A N Q U I S

Scotty1.7

Which card would you apply for- Vaquis or Aqua?

I know i may get a biased answer here in this thread, but if someone can give me the view from both sides it would be great

I've never missed a payment on any of my current things, but cause i have only just been put on the electrol role after living here for 2 years I need to start from scratch:(

I think that aquas rates are a little lower then vanquis but I'm not sure

Any ideas are welcome- helpfull ones especially

Cheers folks

BugsyBrowne

Scotty1.7 wrote: »

Which card would you apply for- Vaquis or Aqua?

I know i may get a biased answer here in this thread, but if someone can give me the view from both sides it would be great

I've never missed a payment on any of my current things, but cause i have only just been put on the electrol role after living here for 2 years I need to start from scratch:(

I think that aquas rates are a little lower then vanquis but I'm not sure

Any ideas are welcome- helpfull ones especially

Cheers folks

Depends if you intend to pay back in full each month,if so either of them.
Obviously if you should go for any then it would have to be Aqua

Scotty1.7

yeah of course- i realise with cards like these you need else you'll get stung massively

At most ist £40 a month on it for fuel/ food

fil_cad

dawnie1972 wrote: »

I am seriously peeeeved off with vanquis and will never ever touch them again. I got made redundant at the end of October, I had the payment protection on my account so rang up and told them, all fine was told I would not have to pay the monthly payments etc, HOWEVER, in the last week I have had phone calls EVERY day (even at 8am in the morning), the callers are extremely rude to me, chasing me cos i am late on my payment and owe them £40 - the first guy confirmed the notes said I had been made redundant but this had not registered on his system so he updated his notes and also due to my nan passing away last Tuesday he agreed they would not bother me again - STILL I am receiving calls - i don't need this at the moment, why should i be hassled cos they can't sort their systems out. Anyone know how I can get to speak to a manager to stop this as the advisors calling me seem unable to read notes on my account.

Beware the wont leave you alone there trained to HARRAS you all day and every day home and mobile you will never get any sympathy from them there the scum of the earth

jonny1983_2

finally got a credit limit increase today 250 to 750. had card for 7 months paid min every month left card in credit by about £40 each month - didnt think i was going to to get one - very shocked and just in time for crimbo:D

alfred64

jonny1983 wrote: »

finally got a credit limit increase today 250 to 750. had card for 7 months paid min every month left card in credit by about £40 each month - didnt think i was going to to get one - very shocked and just in time for crimbo:D

Be very, very, careful.

I have become convinced Vanquis cards are not suitable for most people with poor credit. Yes, it's a credit building card if used correctly - but most of the people who get one do not use it this way, but instead proceed to build up a debt up to - and beyond - the card's limit with devastating consequences for their attempted rehabilitation to the ranks of creditworthiness.

jonny1983_2

alfred64 wrote: »

Be very, very, careful.

I have become convinced Vanquis cards are not suitable for most people with poor credit. Yes, it's a credit building card if used correctly - but most of the people who get one do not use it this way, but instead proceed to build up a debt up to - and beyond - the card's limit with devastating consequences for their attempted rehabilitation to the ranks of creditworthiness.

thanks alfred64 - just using my card to re-build my credit rating dont plan on spending all the credit - hopefully in a couple of years i'll be able to get a mainstream

only_mee

only_mee wrote: »

Went BR 4 years ago just got accepted had the text, pin number, DD mandate through just waiting the card.
Text said limit is £250
Will be paid every month in full not going BR again

Still waiting on the card, no rush just updating the thread.

shanew1108

I got my Vanquis card just under a year ago i thought i would get declined but they accepted and gave me a £250 limit, 4th statement they increased it too £500 and two months ago a letter dropped through my door saying id been awarded gold status for managing my account so well, got a nice gold card and a new limit of £1500 :j

i then Applied for a Capital one Classic and was Accepted with £1000 limit i wonder if capital one will shift me up through the cards in time or i will have to me make new applications, eg the progress card +

alfred64

You will need to apply. Capital One do not move people up like that. Well done on managing your cards so well.