V A N Q U I S

slayervixen

So I came home to find a letter with a Vanquis gold card in it. The letter attached said it's my replacement Visa?

Does this mean my original card is void? I did get a credit upgrade recently but I don't intend to use it and if/when I do I pay in full.

I don't get the point of this? Have I now two separate cards with separate limits? Or is it one in the same?

Sorry for my rambling I'm really confused

TherealMandM

Same card same number. Just gets rebranded gold after u go above 1500 limit.

amberspy

vanquis has also helped me ,and i pay balance off full every month
but wondering how long do i need to wait until i can apply for prime credit card? and whats best places to try first
thanks

countingstars

amberspy wrote: »

vanquis has also helped me ,and i pay balance off full every month
but wondering how long do i need to wait until i can apply for prime credit card? and whats best places to try first
thanks

Depends what your credit history is like but normally, I'd say between 6 months to 12 months. You may want to hang on to it for 12 months to be on the safe side. After Vanquis, I got my prime card after a year and that was with my own bank. Just keeping making those payments on time, every month and you'll soon get there.

Your own bank is your best bet because they'll know you're account history, ect.

Jacqu79

I applied for a vanquis card today and was accepted!:D

I'm quite chuffed, as it's the first credit I have applied for since I was sequestrated in 2011 and didn't really expect to get it.

I asked what my credit limit will be, but apparently they can't tell me. Is that the norm? They did offer a £100 cash advance.

Aqua1985

What limit did you end up getting I also got offered a £100 advance?

john1002

I suspect £250.

john

Jacqu79

Aqua1985 wrote: »

What limit did you end up getting I also got offered a £100 advance?

I've not had my letter from them yet. They said it can take up to two weeks and I only applied last week.

Confessionsofashopaholic_2

I applied to Vanquis last Monday got three calls all week, each time asking for same info, to confirm details set up direct debit etc, then told today that I have been accepted! Although only offered a cash advance of £100 (did not accept) they did not tell me my limit but based on cash advance offered this tells me my limit will prob be £150, hopefully it will be £250.

Confessionsofashopaholic_2

As you can tell from my username I love to shop, got carried away over the years so hence why I need to rebuild my credit now