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Vanquis Card??

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  • Flylady_Flower
    Flylady_Flower Posts: 2,855 Forumite
    1,000 Posts Combo Breaker
    Rose123 wrote: »
    Gosh, that is soooo high!

    Tell me about it! That's why I really hope everyone doesn't keep a balance on them - they really are harsh...
    LBM April 2013 - £29,000.00
    Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75
    Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAID
    F/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAID
    RBS OD PAID - F/D OD £1026.52
    Weekly Grocery Challenge - £95.00 budget / spend £-
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Mine is like 59%
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Mine is like 59%

    OUCH - mate that is :eek::eek::eek::eek::eek:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    OUCH - mate that is :eek::eek::eek::eek::eek:
    Tier D I think...
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Tier D I think...

    In the non sub market this would be Tier ZZZ haha

    Mine is B i think....... cash is 32% or summat and apr is like 29% or thereabouts..... Its dropped I know that much..... or maybe I mis read it but cant find original documents - my statement shows different to what I thought!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    In the non sub market this would be Tier ZZZ haha

    Mine is B i think....... cash is 32% or summat and apr is like 29% or thereabouts..... Its dropped I know that much..... or maybe I mis read it but cant find original documents - my statement shows different to what I thought!
    Lovely, I received my 2nd statement last week
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Flylady_Flower
    Flylady_Flower Posts: 2,855 Forumite
    1,000 Posts Combo Breaker
    Innocent_Guy wrote: »
    Tier D I think...

    Ouch! Thought our's was bad - Do they do teirs then? shows what I know... I've used mine this month for food and diesel and will pay it off on 5th as I have been saving the money to do just that - no more interest payments for me... ;););)
    LBM April 2013 - £29,000.00
    Vanquis CC's PAID - Debenhams SC PAID - A+L OD PAID - Asda CC £783.75
    Barclaycard CC £1400.78 - BoS CC PAID - Freemans Cat PAID
    F/D Loan & CC £1458.96 - Santander Loan PAID - Mum Loan PAID
    RBS OD PAID - F/D OD £1026.52
    Weekly Grocery Challenge - £95.00 budget / spend £-
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Flylady_Flower wrote: »

    Ouch! Thought our's was bad - Do they do teirs then? shows what I know... I've used mine this month for food and diesel and will pay it off on 5th as I have been saving the money to do just that - no more interest payments for me... ;););)

    Yes they use tiers: I am tier A evidently (thought I used to be B)

    http://www.vanquis.co.uk/home/Terms_and_Conditions.aspx

    quote:

    2.6 The (variable) APR in relation to your Account at the time of the agreement is one of the following:
    • Tier A) 19.9% APR (variable);
    • Tier B) 29.9% APR (variable);
    • Tier C) 39.9% APR(variable);
    • Tier D) 49.9% APR (variable);
    • Tier E) 59.9% APR (variable).
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • thecableguy12
    thecableguy12 Posts: 290 Forumite
    never-in-doubt wrote: »
    No, if he'd been approved subject to telephone verification and he missed their calls, he can write in and appeal the decline.

    But to be honest, if you apply for a card and then see witheld numbers on your phone or similar, it'd be a good idea to answer at least one of them!

    I'd say write in explaining you were very busy and ask why you tried to ring me, if i'd been successful can this please stand? See how you get on.

    even though this was a few months ago? should i do a new app or try and save a search?
    Aqua card - £250 Limit up to date, Jd Williams £150 limit up to date, Argos store card £400 limit up to date, Next £300 limit up to date.:beer:
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