The Vanquis Visa Card

leeu_2

Should i avoid this card? i have been offered it but it states at the bottome 39.9%!!! does anyone know anything about the vanquis?

Brian_The_Lion

I have one and made the mistake of using it a little too much and am now regretting it trying to pay back astronomical interest... I'd try capital one or barclaycard initial if I was you.

cifpower

The Vanquis card is a very valuable sub-prime credit card for those with no or less than perfect credit records to work their way up to a more mainstream card.

TheEffect

I have the card. Only get it if your credit rating isn't that great.

My vanquis is around 35%, Aqua 36% and CapitalOne 35%. They're all quite close interest.

Innocent_Guy

It does what it says on the tin

thriftymomma

The interest rate doesn't matter if you pay the balance off every month - ie only spend what you can afford and ultimately it's a means to get to a better place credit wise.

Jemma-T

Excellent experience so far from me but I'd not recommend it (or any card) for long term debt. Good for managing short-term finances only or if you need a card to budget where other companies have refused in the past.

They don't yet do online account maintenance which is a pain.