V A N Q U I S

david_bedford_2

caz2003uk wrote: »

My pin arrived yesterday! 2 days after the card so 11 days in total for both!



It has only been 8 days, you will have a few more days to go yet!

No sign of card yet, we are now on the 10th day lets hope it is posted through my door today :cool:

caz2003uk

david_bedford wrote: »

No sign of card yet, we are now on the 10th day lets hope it is posted through my door today :cool:

When I was accepted, after the chatter from the guy on the phone he put me through to an automated message saying "welcome" etc, and in the message it said 10-14 days to receive the card, and a further upto10 days to receive the pin!

Patience is a virtue

david_bedford_2

caz2003uk wrote: »

When I was accepted, after the chatter from the guy on the phone he put me through to an automated message saying "welcome" etc, and in the message it said 10-14 days to receive the card, and a further upto10 days to receive the pin!

Patience is a virtue

Good ole patience it is, called them today just to get an update

They confirmed application approved on the 18th Oct but to wait 14 days. So calculation would be the 3rd - 4th December at the latest but i bet it comes either tomorrow or Saturday.

God they must be busy due to christmas period or just dragging their heels.

JustinCredibleGillespie

Thats all the bankrupts being discharged and applying for a Vanquis lol :P

Me being one of them. Although, I am still waiting for 2 creditors to update my credit file then I will also be applying. I've never had a credit card before, its just to help rebuild my rating.

JCG

xx

david_bedford_2

i should of known .

Tbh it's really the wrong time to apply, the only reason I did was to build to credit history and by the post i received from them saying pre-approved!.

With 90% people not having alot of cash lying around more ppl will apply for short term credit over the xmas period, which in turn makes application and cards taking longer to process. reading on this thread that 95% of people receive their card within a week to 10 days i was hoping i was one of them.

david_bedford_2

Got my card today \o/ with a £500 limit, didn't expect that much.

Also interest rate is monthly purchase 2.839% and cash is 3.433%, what is the APR?

caz2003uk

david_bedford wrote: »

Got my card today \o/ with a £500 limit, didn't expect that much.

Also interest rate is monthly purchase 2.839% and cash is 3.433%, what is the APR?

See patience was a virtue! I too got £500 unexpected!

I presume it's 29.9 and 34.3?

1111

caz2003uk wrote: »

See patience was a virtue! I too got £500 unexpected!

I presume it's 29.9 and 34.3?

Did they offer to give u an amount upfront into your bank? I applied last week and when they rang me asked me about protecting it which i accepted and went on to say thy could make a payment in to my normal bank, i have received my pin now but still no card x

SnowTiger

david_bedford wrote: »

Got my card today \o/ with a £500 limit, didn't expect that much.

Also interest rate is monthly purchase 2.839% and cash is 3.433%, what is the APR?

Tier D2) Purchase/Balance Transfer annual rate 39.94%, Cheque annual rate 49.94%, Cash annual rate 58.95%.

TheGenerus1

SnowTiger wrote: »

Tier D2) Purchase/Balance Transfer annual rate 39.94%, Cheque annual rate 49.94%, Cash annual rate 58.95%.

I believe it is more likely Tier C :-

Tier C) Purchase/Balance Transfer annual rate 34.95%, Cheque annual rate 44.95%, Cash annual rate 53.63%