V A N Q U I S

only_mee

Hollypop wrote: »

When do people find they get their limit increased or do you have to call and ask?

I have had my 3rd statement this morning. I currently have a £250 limit and i have spent it in full and paid it abck in full each month.

Thanks

I had a £250 limit and did what you did for 3 months then got a raised limit of £500.
No their "computer" decided not up to the person you speak too.

~Bella~

Hollypop wrote: »

When do people find they get their limit increased or do you have to call and ask?

I have had my 3rd statement this morning. I currently have a £250 limit and i have spent it in full and paid it abck in full each month.

Thanks

My account was opened 07 Jan 2011.

Got letter in mid May stating my credit limit would be increased in June (they have to provide 30 days notice).

So took 4 months from start date to receive notice of increase... and 5 months from opening date for increase to show on account.

JaymesKenin_2

I've had my Vanquis account for about two years, started with a £250 limit at 48.9% APR, it went up to £500 and then £1,500.
I requested it be put down to £750, which it was... for like two months before it went back to £1,500. I phoned recently to report my card lost, I then noticed I all of a sudden have a "gold" account with them? Interesting...

I get my card through the post and OMG my APR has shot up to 69.9%!!
Needless to say I've cleared off my balance (was £650, making £100 repayments), and am now having to use my £200 limit Capital One card for purchases this month but at least it's only 38% APR!!!

Hollypop_2

only_mee wrote: »

I had a £250 limit and did what you did for 3 months then got a raised limit of £500.
No their "computer" decided not up to the person you speak too.

How do you find out they were increasing the limit? is it a seperate letter or a note on your statement or did it just increase one day when you logged in?

Many thanks

only_mee

I got a letter.

~Bella~

Hollypop wrote: »

How do you find out they were increasing the limit? is it a seperate letter or a note on your statement or did it just increase one day when you logged in?

Many thanks

Separate letter which usually arrives 4 months after your card was opened.

The letter will say that your credit limit will be increased after your next statement - as they have to give you 30 days notice (should you not want the increase)

I used card just like you - and mine went from £250 to £500.

Best of luck

Kyresa

Started with £500 and 34.9% apr and no increase as yet, had it about 8 months, always paid in full.

Cap 1 however, have had for about 5 months and just got increase from £200 to £800!!!

giblet10

giblet10 wrote: »

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..

Hmmm, day six and it still hasn't credited my account yet! I've checked many times the details, sort code, acc num, my 16 dig ref - can it take seven days?

JaymesKenin_2

giblet10 wrote: »

Hmmm, day six and it still hasn't credited my account yet! I've checked many times the details, sort code, acc num, my 16 dig ref - can it take seven days?

What time of day did you send the money and are you counting Saturday and Sunday?

giblet10

JaymesKenin wrote: »

What time of day did you send the money and are you counting Saturday and Sunday?

Sent it about 9am last Wednesday 29th. As I say it was just a test amount, just as well really!