V A N Q U I S

alfred64

doodah wrote: »

I've had mine for 18 months now and it doesn't seem to have had any positive impact - I applied for a card with my own bank last month and was still turned down.

These things can sometimes take several years.

chanz4

rule one its a provident company never believe them

almost_there

alfred64 wrote: »

These things can sometimes take several years.

I went from £250 to £2500 in 18months, then applied and was accepted for Virgin and Tesco.

Then Vanquis got closed:j

izools

Simon7685 wrote: »

Thought I would post back with an update about my Vanquis Granite card.

Last month they rang me to try and convince me to take their "repayment plan" aka PPI:eek:. Well they offered me it free for 3 months, so I could try it, I refused it. At that time they said my account was under review for a credit limit increase as I had been with them for 3 months and was operating my account in a good manner. Use the card, get the bill, pay it in full straight away = credit rating improving and no interest @ 49%:D.

I was a bit dubious as to whether my limit increase might have been linked to accepting their kind offer on the PPI, sorry "repayment plan":p. Well I have not received any letters advising me of a credit limit increase to date. I have just had my 4th statement today and paid it in full today, so that is me all up to date with them.

I am now wondering if I will receive an increase or not??? The guy I spoke to a month ago said they would notify me of any increase by post or on my monthly statement. So I was hoping there may have been something on my statement but there was nothing, not sure if getting online instead of paper statements would affect that???

Hopefully I will still get a letter offering me an increase but I am now wondering if indeed it was connected in some way to the "offer" last month, or if paying in full each month is making them not consider me?

Had nothing to do with the offer.

The guy was talking out of his a**e. The agents don't have visibility over your account behavior scores / internal scoring / limit uplifts / etc.

The process is 100% automated based on your account conduct and CAIS feed from Experian. They don't have "account reviews" as such. Their computer keeps a constant eye on your account and automatically pushes limit uplifts and letters as and when it feels fit.

Kyresa

I'm still wondering if anyone with a Granite card has got a limit greater than £500..... !

Simon7685

Izools, what is the CAIS feed? It rings a bell somewhere but can't remember what or where.

Kyresa, mine is £250 which is what is what from opening the account in June 2011. So NO, not me!

lvm

Simon, I wouldn't worry - I thought I'd been overlooked for a limit increase too but about a week after my 5th statement, I got a letter confirming they were doubling my limit from £500 to £1000.

I've paid my statements in full every month, always using between 50% and 80% of available credit.

I'm sure you'll get an increase soon!

SnowTiger

Kyresa wrote: »

I'm still wondering if anyone with a Granite card has got a limit greater than £500..... !

My limit is over £1,000, but I very rarely use the card. I'm probably not one of their best customers.

auto-man

izools wrote: »

Had nothing to do with the offer.

The guy was talking out of his a**e. The agents don't have visibility over your account behavior scores / internal scoring / limit uplifts / etc.

The process is 100% automated based on your account conduct and CAIS feed from Experian. They don't have "account reviews" as such. Their computer keeps a constant eye on your account and automatically pushes limit uplifts and letters as and when it feels fit.

Not true, my eldest sons gf works for Vanquis processing in bradford and she says advisors can see these things but they cannot issue them, the process of awarding them comes from feeds from call credit only (who knew that then?).

If you need any info I am allowed to give you her username on here she said. Oh and she is an underwriting team leader as well if that helps, she deals with refusals and generally appeals. :money:

Do you or have you work for them, if not why you lie like you do and say advisor talk from bottom?

outoftouch

Hi there I am about to receive my first statement.....does anyone know the length of time between statement and payment date usually is thanks