V A N Q U I S

veridisa_2

teabag29 i applied online on friday got a text an hour ago asking me to phone them.they just ask you to confirm details on your application then spend the next half hour trying to sell you ppi(ish) and a v expensive cash advance .i refused it all and was told my card would be here within 14 working days

teabag29

Thankls just had my call too, refused ppi too and cash advance of £100 (so I assume my credit limit will be £150). I want to pay the balance off in full each month to avoid interest but have also set up a d.debit for minimum payment (they said I should do this). I'm confused how this works... for example if I were to get my statement on 15th of every month and pay the full balance off on the 15th, what stops them still taking the minmum payment via direct debit. Will I need to cancel the direct debit if I want to pay the full balance every month? Confused.com lol

Daddy-Spendless

out of the blue i've just had a letter saying my credit limit will be increased by £500 putting it up to 3k

KxMx

I applied yesterday and had a phone call this afternoon.

Was told I was accepted and they they started pushing PPI. I said no 3 times and then the call was cut off. Never got to the cash advance. Will see what happens!

teabag29

yes he went through the ppi thing with me 3 times, each giving the same example and still asked if I wanted explaining to me again when I said I didnt want it lol he then paused and said is there a particular reason, do you not understand? I said no and he replied 'oh ok, your choice'. I only got offered £100 cash advance with 59% APR so guessing my limit will only be £150 but not a problem, only want it for building my poor credit up.

Does anyone know how long the cashback offer is taking via quidco?

dj1978

hi, just to let you know that I got offered £100 cash advance (which i obviously refused) but have just been informed in a text that my credit limit is £250 :T

haven't got my pin or card yet.. but had a text telling me my account balance and minimum payment (zero since got no card lol);)

teabag29

dj1978 wrote: »

hi, just to let you know that I got offered £100 cash advance (which i obviously refused) but have just been informed in a text that my credit limit is £250 :T

haven't got my pin or card yet.. but had a text telling me my account balance and minimum payment (zero since got no card lol);)

when did you get your call of acceptance? mine was only today so gotta wait 14 days for card and pin

dj1978

when did you get your call of acceptance? mine was only today so gotta wait 14 days for card and pin

I got call of acceptance on monday 18th , got direct debit confirmation letter on saturday and text about account yesterday.... just still waiting for pin and card which should be soon I think, not in a rush really just using to build rating... as most other sensible people seem to be

Maestro.

I received a text today from Vanquis informing me of my credit line increase. Woohoo.

loony2012

Maestro. wrote: »

I received a text today from Vanquis informing me of my credit line increase. Woohoo.

How long were you with them and when did you open account? I just got 5th statement and no increase. always pay atleast half of debt to them so they make interest just to bump credit before i pay full bills. I even took it to £248 spent and nothing :O