V A N Q U I S

slg_sue

I have found Vanquis to be surprisingly helpful and think they have played a part in my credit rating which seems to have improved! I applied for my card in October, received it a few weeks later with a £250 limit. I use the card regularly, pay the balance in full every month and they have helped with an issue over unauthorised debits from my account. I still have the same limit, doesnt bother me one bit, but today I walked into my local Virgin Media store and was given a Nokia N8 on contract. I really believe in taking small steps in terms of building your credit rating especially when you have as I have been unreliable to creditors in the past!!! Maybe next year I can get a proper credit card!!!!

ASL

coolesticeking wrote: »

never had a problem with these, always credits the next working day:

Vanquis visa
sort code: 20-11-81
account number: 50409510
reference: Your 16 digit card number

the sort code FOR VANQUIS IS 60-95-94

account number FOR VANQUIS IS 00000001

NO IDEA WHO 20-11-81 SORT CODE BELONGS TO OR ACC NUMBER 50409510

only_mee

http://www.swiftcodesinfo.com/sort-code/results.php?post=Submit+your+choices&searchstring=201181+

giblet10

ASL wrote: »

the sort code FOR VANQUIS IS 60-95-94

account number FOR VANQUIS IS 00000001

NO IDEA WHO 20-11-81 SORT CODE BELONGS TO OR ACC NUMBER 50409510

The 20-11-81 details are still in the literature they send with the card (well up to three weeks ago when I got mine anyway) - hence my question because on their website it shows the other sort code and account number.

I've sent a 'test' tenner using the details from their website but my bank doesn't do FP so it'll be Monday I guess. Will let you all know how I get on..

goldenarmZ

I was accepted for the Granite card on 13th of June. I haven't received the card or pin yet and they won't speak to me about the account because i don't know the password.. They never asked me for a password! This sounds dodgy as hell.. could someone have intercepted and activated my card?

They're sending me a password change form but i KNOW I never set one up.

giblet10

goldenarmZ wrote: »

I was accepted for the Granite card on 13th of June. I haven't received the card or pin yet and they won't speak to me about the account because i don't know the password.. They never asked me for a password! This sounds dodgy as hell.. could someone have intercepted and activated my card?

They're sending me a password change form but i KNOW I never set one up.

TBH I think they'd have told you if your card had been used already. My card took a couple of weeks and although it was Vanquis in my case, I think they're different in name only... they told me it was going to take one week but when I rang to chase they then said could be up to 21 working days...

goldenarmZ

giblet10 wrote: »

TBH I think they'd have told you if your card had been used already. My card took a couple of weeks and although it was Vanquis in my case, I think they're different in name only... they told me it was going to take one week but when I rang to chase they then said could be up to 21 working days...

I'll just have to play the waiting game then.. These clowns really don't like doing anything in a hurry do they?

giblet10

goldenarmZ wrote: »

I'll just have to play the waiting game then.. These clowns really don't like doing anything in a hurry do they?

It's weird, they certainly can be slow but as an example of why I use the term weird, there's another guy on here who applied exactly one week before me and got his card in just seven days.

I know what you're thinking and feeling - for me the Vanquis card was my first card since coming out of an IVA earlier this year and despite the mess I got into, I did miss having a credit card - not for building up debt which I never want to do again, but just the convenience. I started travelling a lot with work a couple of years ago and my experience when trying to check in to a hotel with a Visa Debit card fell into either:-

1) No thanks - or -
2) You'll have to pay in full now and wont be able to charge anything to the room

Either way, I might as well have turned up at reception in a cold sweat with lumps on my face and a black cross around my neck as I certainly felt like a leopar

Then, don't talk to me about car hire. Hertz was "you must be joking" down to the more moderate Avis "yes, we take Visa Debit, but we'll pre auth £500 plus rental costs".

Apart from anything else, I regularly had £500-£1000 out of my bank account before my company repaid my expenses claim.

So I know why you are keen for that card to arrive - and it will - sit tight...

MINICooper13

I just got accepted but I have a problem...

It is advertised as 39.9% APR variable, but my actual accepted interest rate is 59.8%!!!! What's that all about?

I plan on only using it for small purcahses, and as said, paying in full, so I know I won't be paying it BUT I didn't think an extra 20% is what they would put on to start with? Also will this come down with time?

missminx

coolesticeking wrote: »

Never had a problem with these, always credits the Next Working Day:

VANQUIS VISA
Sort Code: 20-11-81
Account Number: 50409510
Reference: Your 16 Digit Card Number

These are their new details, they changed them a few months ago now. Didn't bother informing anyone. I just suddenly discovered that I couldn't pay them :mad:. They have marvellous communication skills....