V A N Q U I S

ASL

Atom wrote: »

P.S. i just got offered an increase on my aqua to 1200 today :T rejected it, i don't need that amount

I would of thought the higher limit would look better on your CR. Reason I say this, and I may be wrong. I thought that cra look at the percentage used. So if your limit is £500 at the moment and you spend £250 a month, thats a ratio of 50% being used. If your limit is £1200 and your spend each month is £250 you're using 20.83% of your available credit. I may be wrong. ????

Atom

ASL wrote: »

I would of thought the higher limit would look better on your CR. Reason I say this, and I may be wrong. I thought that cra look at the percentage used. So if your limit is £500 at the moment and you spend £250 a month, thats a ratio of 50% being used. If your limit is £1200 and your spend each month is £250 you're using 20.83% of your available credit. I may be wrong. ????

Not really - to me it's just a waste of available credit, i have a good ratio and always well below 50% , i already have 2 catalogues capped at 1500 each as they just keep putting the limits up, if it was not for the decent APR they gave me i wouldn't have them but my OH and mum tend to like to get a few items sometimes

The cards i have are just stepping stone cards to main stream with quite high APR's so no point in me having big limits on them when i am not gonna use it. another way i look at it, if my card happen to get cloned they aint gonna get much

ASL

Atom wrote: »

Not really - to me it's just a waste of available credit, i have a good ratio and always well below 50% , i already have 2 catalogues capped at 1500 each as they just keep putting the limits up, if it was not for the decent APR they gave me i wouldn't have them but my OH and mum tend to like to get a few items sometimes

The cards i have are just stepping stone cards to main stream with quite high APR's so no point in me having big limits on them when i am not gonna use it. another way i look at it, if my card happen to get cloned they aint gonna get much

My provi agent called earlier and I was told again how good a customer I am and would I like a second loan. Greenwoods are also sending me letters telling me what a valued good customer I am, and offering me £££££££££££££££££££££££££

I REFUSED THEM BOTH :T

Sure it would of been nice to have the money, not had a holiday since 2008. I could of been in the USA, my favourite country by the weekend having the time of my life. BUT within no time at all, the couple of weeks would of gone by and I would of had a couple of years of weekly visits paying it back. The interest alone would of been more than enough for a trip to the USA possibly twice. So I'll stay home, and if I want memories of the USA I'll look at holiday snaps.

Atom

Hey i would forget about greenwoods or provi getting you to the USA - would be your last trip there until your around 70...... when you have cleared your loans off

Btw is robin hood still alive ? i heard alot of these provi and greenwood agents are getn robbed here in scotland

ASL

Atom wrote: »

Hey i would forget about greenwoods or provi getting you to the USA - would be your last trip there until your around 70...... when you have cleared your loans off

Btw is robin hood still alive ? i heard alot of these provi and greenwood agents are getn robbed here in scotland

There is a page on this site, that a provi agents set up, regarding them being robbed or is it fined.

Monty_Zoomer

izools wrote: »

You realise of course that you'd pay more interest on a Vanquis card with a #1,250 balance than you would on say, a creation card, with a #3,000 balance?

It's a nice feeling but having the ability to borrow lots of money from the likes of Vanquis is not a good thing.

I don't pay any interest on it at all - I just spend then pay off every month.

Just a credit rebuilder basically - god forbid I go down the road of getting in to debt again.

Hopefully going to be able to get a mortgage again soon so I can stop lining the landlords pockets.

izools

Fair enough.

Yorkshire Building Society actually said I could borrow £80K for a mortgage which is nice of them (they only did a quote search on Equifax, they don't use Experian. Win in my case )

Pity I've got no money for a deposit, or know of any properties circa £100,000 actually big enough to live in...

I was hoping to be able to get my Landlady's flat at auction for a song as she breached the terms of the mortage and they were threatening reposession but she sorted it out. Dang.

MorrisonsEmployee

Well my exprience with Vanquis has got off to an interesting start! I applied online and received a letter saying they needed further ID documents which i sent - I then called to see if the documents had been received and they told me i had been declined for the card and that i could re-apply in 6 months. The following day i got a call to say my application had been successful which i was suprised about and now today i have received a identical letter requesting the same documents i had sent previously - I called them up and they have no record of sending a 2nd letter and the guy on the phone sounded totally uninterested and half asleep!

ASL

MorrisonsEmployee wrote: »

Well my exprience with Vanquis has got off to an interesting start! I applied online and received a letter saying they needed further ID documents which i sent - I then called to see if the documents had been received and they told me i had been declined for the card and that i could re-apply in 6 months. The following day i got a call to say my application had been successful which i was suprised about and now today i have received a identical letter requesting the same documents i had sent previously - I called them up and they have no record of sending a 2nd letter and the guy on the phone sounded totally uninterested and half asleep!

Just resend a copy of the letter along with your docs and see what happens.

ASL

I bank with the Co-op and yesterday I decided to make a test payment on my vanquis, it was only for a small amount of money to see how long it would take to reach vanquis and for it to actually credit onto my account. When I made the online banking payment. It came up with CODE B.

Now I normally see one of two codes either code A or Code B. A means it will reach the person in less than two hours, (normally its a few minutes) B is two to three working days. I just logged onto my evanquis some 30 hours after paying it and it's showing on my vanquis already. Realy surprised how fast it hit my account.