V A N Q U I S

Atom

Probably a wee bit stricter the lower the APR:

Vanquis: Made for people unlikely to pay back or very high risk eg ( the dead )
Granite: Made for people who can breath.. barely.
Aquis: After the first month you will be in one of those states above ^^ after you see the new APR.

heh

Kyresa

ooh I'm someone that can breathe, barely, then

KingElvis

Atom wrote: »

Probably a wee bit stricter the lower the APR:

Vanquis: Made for people unlikely to pay back or very high risk eg ( the dead )
Granite: Made for people who can breath.. barely.
Aquis: After the first month you will be in one of those states above ^^ after you see the new APR.

heh

Vanquis also take on the cryogenically frozen and freshly "passed over"......they also get a better interest rate than people on the plain old Vanqswiz card becuase they are less likely to run up a barking HUGGEEEEEE balance :rotfl:

Atom

KingElvis wrote: »

Vanquis also take on the cryogenically frozen and freshly "passed over"

Lol.. :rotfl:

tigerlily44

Has anyone tried to get two Vanquis cards - or am I being stupid and it says somewhere really obvious that you can't have two?

tiger

KingElvis

tigerlily44 wrote: »

Has anyone tried to get two Vanquis cards - or am I being stupid and it says somewhere really obvious that you can't have two?

tiger

Why would you want two of them?

Trajal

tigerlily44 wrote: »

Has anyone tried to get two Vanquis cards - or am I being stupid and it says somewhere really obvious that you can't have two?

tiger

I think it says somewhere really obvious but I can't recall where.

No you cannot have two, they automagically deny you if you have one already and make a second application.

tigerlily44

KingElvis wrote: »

Why would you want two of them?

One's a lower interest rate than the other? Not that makes a difference when you pay off the outstanding balance in full...

tiger

Atom

tigerlily44 wrote: »

One's a lower interest rate than the other? Not that makes a difference when you pay off the outstanding balance in full...

tiger

Dependant on your own circumstances, you would probably get the same APR as on the other - but hey you can't have 2 of them fortunately, why own 2 cards from them, your askin for trouble.

MorrisonsEmployee

tigerlily44 wrote: »

One's a lower interest rate than the other? Not that makes a difference when you pay off the outstanding balance in full...

tiger

You can only hold 1 card at a time with Vanquis bank - Even if you ditch the Vanquis credit card and apply for a Granite or Aquis card there is no guarantee you will be accepted if they are making no money from you - And also those 2 cards show lower APR on the website but in the Ts & Cs it states that both the Granite and Aquis cards can have an APR of up to 69% the same as a Vanquis card.