V A N Q U I S

Maestro.

grancanfan wrote: »

I have just recieved my pin today, i thought your card came 1st then your pin, or can this happen?

normally. i have my card now and no pin yet. I think as long as they arrive seperately thats the main thing.

Simon7685

spikescot2005 wrote: »

Came home to a nice letter from Vanquis saying that for being a good customer they are reducing my interest rate by nearly 20%.

Jammy Buggar:p
I think you should write to them and say you don't want it until they send me one as well;):D

How long have you been with them and what APR were you paying?

I have only been with them for 7 months to be fair, just got 1st increase from £250 to £1000 but still got APR of 59.9%:eek: so won't be carrying any balances over at that rate......

custardy

Maestro. wrote: »

normally. i have my card now and no pin yet. I think as long as they arrive seperately thats the main thing.

I got my pin a couple of days before the card

saintscouple

Here's what may seem a silly question,

I would like to know how to pay off my balance in full every month, when my direct debit is set to only take the minimum payment?

Now i know i can make an online payment for the difference, but do i make the card payment before or after the direct debit payment?

Also is there a negative for me doing it this way instead of letting the direct debit take the whole balance i.e would it impact any potential credit increases?

The reason i have only set the direct debit for the minimum amount is that i don't want to ruin the history i have with my bank, should i have a moment of stupidity and use the credit card for something that i can't afford to repay in one go.

Thanks in advance

SnowTiger

SnowTiger wrote: »

My online account is blocked. Apparently, they think my credit card number has made its way in to the wrong hands and they're sending me another card, but they're being a bit slow about it.

Hmmm... New card arrived yesterday and new PIN arrived today. The card wouldn't work until I activated it.

I've just called their activation number expecting another hard sell for their Repayment Option Plan, but activation was a completely automated service and I didn't have to speak to anyone. :T

Simon7685

saintscouple wrote: »

Here's what may seem a silly question,

I would like to know how to pay off my balance in full every month, when my direct debit is set to only take the minimum payment?

Now i know i can make an online payment for the difference, but do i make the card payment before or after the direct debit payment?

Also is there a negative for me doing it this way instead of letting the direct debit take the whole balance i.e would it impact any potential credit increases?

The reason i have only set the direct debit for the minimum amount is that i don't want to ruin the history i have with my bank, should i have a moment of stupidity and use the credit card for something that i can't afford to repay in one go.

Thanks in advance

If you just pay the full amount, they don't take a DD. I have a DD set up for minimum payment just in case and I have paid the full amount every month and the DD has never been taken.
Simples:D

giblet10

grancanfan wrote: »

I have just recieved my pin today, i thought your card came 1st then your pin, or can this happen?

My PIN arrived first and card a few days later...we're special that's all!

grancanfan

Card arrived today with a £500 credit limit, im well pleased with that, I thought it was going to be for £250 as they asked if I wanted a £200 cash advance

marc3

although i still await its receipt -it appears that as a discharged BR ,Vanquis have granted me a card and its on its way-good.

To obtain it-i applied on line-it seems via a 'broker' and of course i get inundated with loan/payday offers etc etc-non of which i want.

Plus i was sent through a number of 0906 numbers to get the card-obviously incurring costs.

I'm not naive-and appreciated i would incur charges for these 0906 numbers and took the view that to get the card it was worthwhile.

That given-supposedly my call costs will be reimbursed (yeah right!!)by sending my phone bill to Freepost CFD (i said that is a short /odd freepost address but was told it is correct ) and was given what is probably a completely meaningless ref number.
I am expecting the freepost reply to come back to me as undeliverable.

Am i just too sceptical ?

i remain sceptical that i will get my call costs will be reimbursed- but you never know.

Has anyone had similar experience -and either found that they are definately not reimbursed-or actually they are .?

(apologies if this subject has been well covered elsewhere )

many trhanks-look forward to interesting replies and experiences

custardy

did you not consider/try applying directly?