Vanquis payment dates by debit card?

nemeth782

Hi there,

I have recently gotten a Vanquis Visa card, my first credit card in years, yay!

It is currently set to have the minimum payment paid by DD, this is £5 for this month.

The telephone automated service has told me that the statement balance is £84.06, to be paid by Jan 30th.

If I want to avoid interest I know I have to clear the balance in full. Payday is Jan 25th, would it be sufficient to pay £75.06 (leaving the £5 minimum for the DD) by my Natwest Visa Debit Card over the phone on the 25th of Jan or would that reach my account too late? Surely as it is a debit card it should be instant, and not take a few days to clear?

I see no reason to pay early!!

Oh, I will also be getting £94 refunded onto the card in a few days for another purchase I have made that has hit the card since the statement. Would that count as a payment or not as it is a refund?

I know it seems silly to expect it to but just curious!

duggie1982

Still can take uto 3 working days to clear as might go to them right away but takes them a few days to apply it to your account

gareth6344

Hi,

I've been using the card for 6 months and it's never taken them longer than 2 working days for my debit card payment to reach the account. I once even stupidly forgot a payment was due and payed the night before, and it still somehow reached my account in time.

So 5 days should be more than enough!

borders_dude

nemeth782 wrote: »

I see no reason to pay early!!

Good attitude.

nemeth782 wrote: »

Oh, I will also be getting £94 refunded onto the card in a few days for another purchase I have made that has hit the card since the statement. Would that count as a payment or not as it is a refund?

It would not, no.

nemeth782

Perfect, thanks all!