Vanquis Increases / Statements

never-in-doubt

bigbum wrote: »

Not sure which account you have kilasuit, but i opened both Cap1 and Vanquis accounts in early March. The 1st statements for both show payment due dates fall around 10-12 of this month, May.

So what you've been told sounds about right imo.

Congrats on the increase Brian1966.

all the best

bigbum

Mr Big - how is it going old chap? :T

Brian1966

never-in-doubt wrote: »

woah - thanks mate, that extra £1 will go a long way :mad::D:mad:

It will, 1 litre of petrol depending on car will do 6 or 7 miles.

Just no pleasing some people :rotfl::rotfl::rotfl:

digitalphase

TheEffect wrote: »

I don't see the APR as a HUGE problem. I mean if you spend £100 on the card, it's around £3 interest a month if you don't pay it all off. £3 isn't going to make me lose any sleep. If you had £1000 sitting on the card, I could understand paying £30 interest a month, but if you carry over a smaller balance, it's not to much interest to pay.

Oh, I thought the interest would be added onto the balance so e.g. if I spent £100 and had a 39.9% APR (though mine might be higher) the balance would then be £139.9 next month if I didn't clear it?

I don't really understand how it all works, but don't want to be stung again.

digitalphase

never-in-doubt wrote: »

True, my balance was £250 last month and interest was about £8 - I put £50 in bandit today so can't whinge at a paltry £8.....

So you'd just need to pay £258 to clear it off totally for next month?

never-in-doubt

digitalphase wrote: »

So you'd just need to pay £258 to clear it off totally for next month?

Yes but I rarely pay it off, for the small apr no need to (my apr is just 34%) LOL

Seriously, don't worry about it - just pay what you can afford and dont worry about minimums etc - it wont matter. You should get treated like the rest of us, just use card wisely.... :beer:

never-in-doubt

digitalphase wrote: »

Oh, I thought the interest would be added onto the balance so e.g. if I spent £100 and had a 39.9% APR (though mine might be higher) the balance would then be £139.9 next month if I didn't clear it?

I don't really understand how it all works, but don't want to be stung again.

Cmmon mate, you are taking the mick surely? they don't add the apr monthly LOL (apr = annual % rate!)

digitalphase

never-in-doubt wrote: »

Yes but I rarely pay it off, for the small apr no need to (my apr is just 34%) LOL

Seriously, don't worry about it - just pay what you can afford and dont worry about minimums etc - it wont matter. You should get treated like the rest of us, just use card wisely.... :beer:

Thanks a lot! Useful to have it for emergencies I'm definitely going to be careful with it and it isn't going in my purse so I'm not tempted to splurge :rotfl:

digitalphase

never-in-doubt wrote: »

Cmmon mate, you are taking the mick surely? they don't add the apr monthly LOL (apr = annual % rate!)

Hahaha I was obviously confused! :o:o Not taking the mick though!

never-in-doubt

digitalphase wrote: »

Hahaha I was obviously confused! :o:o Not taking the mick though!

Lol was just kidding - thought for a minute you thought they added annual rate each month LOL

sorry, just noticed you mentioned 'purse' thus I can't call you mate - are you female then? or a gay male with a purse :rotfl:

Mooey65

kilasuit wrote: »

just used 0800buster off my mobile and rung vanquis freephone number and its worked.


you have to dial 01228 25 0800 and then input the number you want to connect to once connected and then press #

simple straight-forward and very very useful.

I could kiss you thank you.