V A N Q U I S

Kyresa

ASL wrote: »

if it's late you will be charged. Vanquis will say that you knew about the extra bank holidays and should of allowed for it. However as your paying by DD, if your charged you would have a case to ask for the £12 back I doubt you will be charged, due to the fact you pay by DD, if you pay by online banking, you would only have yourself to blame for not making the payment early enough to allow for the bank holidays.

TastyTeeth clearly refers to paying by Direct Debit so not sure why you are ranting at them about other payment methods.

To TastyTeeth, My payment by Vanquis was taken late one month and I rang them and was told "don't worry about it as it's by Direct Debit there is no problem and you won't be charged".

MorrisonsEmployee

Trajal wrote: »

Yupyup. Although when I said 'hangon, this is PPI isn't it?' she said no. Then said 'well sort of'.

:rotfl::rotfl::rotfl:Obviously remembering that the call was being recorded she thought she should confess that it was PPI!

ASL

I made a online payment yesterday to my vanquis card, its showing on my evanquis Electronic Payment Received and the ammount. But its not showing up in available funds. Does anyone now why ? thanks

spikescot2005

Properly not fully cleared, check 24 hours after making the payment.

NekoZombie

spikescot2005 wrote: »

Properly not fully cleared, check 24 hours after making the payment.

Actually, it can take up to 3 working days to clear.

PoppyHoppy

Has anyone got an Granite or Aquis who already had a Vanquis?

MorrisonsEmployee

PoppyHoppy wrote: »

Has anyone got an Granite or Aquis who already had a Vanquis?

You can only hold 1 card with Vanquis so i think most people tend to stick with the card they first got accepted for otherwise it would mean closing 1 Vanquis CC and then applying for another.

Atom

Whats the difference with the granite card to the vanquis anyway ?

MorrisonsEmployee

Atom wrote: »

Whats the difference with the granite card to the vanquis anyway ?

The Vanquis card offers APR of 39%+
The Granite card offers APR of 29% +
The Aquis card offers APR of 19% +

It looks like they have tried to create 3 different credit card tiers - Not sure but im guessing the acceptance must be different for each card - People have been turned down for a Granite card but accepted 6 months later for a Vanquis card.

PoppyHoppy

Says Representative 29.8% APR (variable) of Aquis site??
Edit - just read T&C's they have several tiers ranging from 19.94 to 69.94%