The Sub Prime Credit Thread - Part IV

Sam2009

£250 limit and the APR is 30 % ? 30 something, I cant remember without digging out the paperwork now.

I applied online and they rang me the next day. Card arrived within a week so wasnt as bad as some of the long long waits I have read about on here!

cifpower

Sam2009 wrote: »

£250 limit and the APR is 30 % ? 30 something, I cant remember without digging out the paperwork now.

I applied online and they rang me the next day. Card arrived within a week so wasnt as bad as some of the long long waits I have read about on here!

I recently replaced my Vanquis card and got a spangly blue one. It's quite swish I think!

ElkyElky

cifpower wrote: »

I recently replaced my Vanquis card and got a spangly blue one. It's quite swish I think!

I wonder what their new gold one looks like.

Sam2009

Thats the one I have ... which to be honest I thought looked cheap and flimsy compared to the lovely cards I had years ago .... so dread to think that the old ones looked like lol

Sam2009

ElkyElky wrote: »

I wonder what their new gold one looks like.

thats what I am aiming for

cifpower

Sam2009 wrote: »

Thats the one I have ... which to be honest I thought looked cheap and flimsy compared to the lovely cards I had years ago .... so dread to think that the old ones looked like lol

The old one is here/ Quite nasty. I was always embarrassed taking it out of my wallet

cifpower

ElkyElky wrote: »

I wonder what their new gold one looks like.

I do remember seeing a picture of it. It's gold and white with the word GOLD on the top left

Sam2009

cifpower wrote: »

The old one is here/ Quite nasty. I was always embarrassed taking it out of my wallet

At least that one doesnt look like it has vanquis in big writing all over it so was possibly more discret ?

My theory is that anyone else who has struggled getting mainstream credit will know that you are in exactly the same boat as them so have a vanquis card .... or else you would be elsewhere with better APR

Sam2009

Another few questions, whilst there are people about

Any recommendations about banking ? I am getting fed up of Halifax. They told me years ago that providing i kept the account in order they would upgrade me, yet now they are saying that unless I pass their credit check they wont.

7 years of good banking and nothing from them !!! Was going to try Lloyds but have read somewhere that although they give you a better debit card (not a rubbish electron!) that you can only cash withdraw from Lloyds machines .... which is no good to anyone surely ?

cifpower

Halifax do not directly upgrade from their basic account I'm afraid. NatWest do from their Step account as do Barclays from their Cash Card account