V A N Q U I S

Mooey65

I have just paid off my £1766.66 @59% in full card cut and binned saving me £80+ a month now to take down aqua.

Kyresa

Mooey65 wrote: »

I have just paid off my £1766.66 @59% in full card cut and binned saving me £80+ a month now to take down aqua.

Blimey, how much interest was that per month?

Well done :beer:

MyLastFiver

Kyresa wrote: »

I've still to find someone with more than £500 on a Granite too.

£1250 on my Granite

Stinkyfeet

Me father is on £2500 on Granite, not that he uses it more then £100 month lol

louiser123

just recieved mine and credit limit is £500

izools

Mooey65 wrote: »

I have just paid off my £1766.66 @59% in full card cut and binned saving me £80+ a month now to take down aqua.

Well done!

Don't forget to pay the rolling interest next month and actually call vanquis to close the account once you've done so!

With that properly closed (once you've called them) have you considered a Cap One Progress? Seems like the logical step :beer:

Mooey65

Kyresa wrote: »

Blimey, how much interest was that per month?

Well done :beer:

Around £80 am so happy to of done it.

izools wrote: »

Well done!

Don't forget to pay the rolling interest next month and actually call vanquis to close the account once you've done so!

With that properly closed (once you've called them) have you considered a Cap One Progress? Seems like the logical step :beer:

I will do I think it will be around £6ish.

As for new cards Iv got a aqua cap one classic and a progress card already.

boogiemaster

Just been accepted for Vanquis and should get my welcome pack soon


I will spend a small amount I know I can pay back otherwise I won't use it and I've taken advice from this forum and my credit file has vastly improved.

This card is to be used to strengthen my credit file and hopefully in eighteen months it will enable me to get a prime card.

WLITC

I got my card about 4-5 months ago with a £250 limit. My payment last week was my 4th payment and when I spoke to them (to reset my passcode) I asked about the credit limit and they said it might get increased after 4-5 months. Now for the first 3 months I basically paid the full balance before my monthly statement was prepared so no min payment was taken, but last month I spent about £220 and then just left it so that they took it by direct debit (I had them switch my dd to take full balance). Will the fact that I always pay it off each month (and therefore they essentially make no money from me) reduce the likelihood of getting an increase? would I be better switching back to min payment and leaving a small amount to pay interest on?

buttscratcher

WLITC wrote: »

I got my card about 4-5 months ago with a £250 limit. My payment last week was my 4th payment and when I spoke to them (to reset my passcode) I asked about the credit limit and they said it might get increased after 4-5 months. Now for the first 3 months I basically paid the full balance before my monthly statement was prepared so no min payment was taken, but last month I spent about £220 and then just left it so that they took it by direct debit (I had them switch my dd to take full balance). Will the fact that I always pay it off each month (and therefore they essentially make no money from me) reduce the likelihood of getting an increase? would I be better switching back to min payment and leaving a small amount to pay interest on?

pay after its produced otherwise nil balance is recorded on your record and it looks like you havent used the credit