V A N Q U I S

TheEffect

never-in-doubt wrote: »

From day 1 to present? All i'm saying is if they don;t do it as quick then the reason will be the cash advances, i'm not saying they won't increase - just they make drag their heels til you pay a lot of the cash off.

sorry for confusion. remember a CC is not for cash withdrawals thus they are charged higher!

While we see it as not for cash withdrawals, I'm sure lenders like it when customers use it to purchase cash, as they make a lot of money. Vanquis have even advertised as 'Why not use your Vanquis Credit Card to easily withdraw cash' on one of the leaflets I see.

Hopefully they won't see it as to bad.

never-in-doubt

TheEffect wrote: »

While we see it as not for cash withdrawals, I'm sure lenders like it when customers use it to purchase cash, as they make a lot of money. Vanquis have even advertised as 'Why not use your Vanquis Credit Card to easily withdraw cash' on one of the leaflets I see.

Hopefully they won't see it as to bad.

Oh yea, I agree totally with that sentiment - cash = big bucks for the CC providers but specifically it can look as though you are desperate and thus may restrict increments for that reason.

Surely you can see the flip side to the coin, all i'm doing is making you aware of it - hopefully they take a relaxed approach and think, cool he spends a lot of cash so we'll give him a £3k limit :rotfl:

CocoPopsLover

Catch 22 What do you do eh?

never-in-doubt

CocoPopsLover wrote: »

Catch 22 What do you do eh?

use a bank for cash and CC for goods LOL :rolleyes:

even better idea, spend £10k and do a runner hahahaha :rotfl::rotfl::rotfl:

nickyhutch

Yes, from day 1 to present. Not loads and loads, just here and there, and usually paid back online within a week or 2. OH's Aquacard went up very quickly, and we used it to pay for currency for a holiday last year. When he asked for a credit limit increase not too long ago, they agreed too.

Who knows what they're thinking!

CocoPopsLover

never-in-doubt wrote: »

use a bank for cash and CC for goods LOL :rolleyes:

even better idea, spend £10k and do a runner hahahaha :rotfl::rotfl::rotfl:

lmao

I have only ever used a CC for cash withdrawal once and thats because I left my debit card at home so when i went home, I just transferred it straight back into the credit card!

I know vanquis give good increases but im not expecting one so soon as i spend 80% of my limit in a month of getting it!!!!!!!!!!

And im paying it back in installments, lol

peachyprice

Got my card today,:j rates weren't as bad as I first though, I must have got them round the wrong way

47.9% for purchases
53.9% for cash

kilasuit

Anyone having issues with the automated phone service they provide to make payments to accounts etc?

TheEffect

never-in-doubt wrote: »

Oh yea, I agree totally with that sentiment - cash = big bucks for the CC providers but specifically it can look as though you are desperate and thus may restrict increments for that reason.

Surely you can see the flip side to the coin, all i'm doing is making you aware of it - hopefully they take a relaxed approach and think, cool he spends a lot of cash so we'll give him a £3k limit :rotfl:

Giving me 3k limit at this time in my life might be a huge mistake. Considering it's take me hours and hours of to make 3k, the temptation might be more then I can handle. :rotfl: (Just joking for the anti fun protesters)

Brian1966

kilasuit wrote: »

Anyone having issues with the automated phone service they provide to make payments to accounts etc?

Just tried the automated line..appears to be working fine
Did get a message on my last statement advising that number is changing