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The most expensive credit card
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alchemy0
Posts: 10 Forumite
in Credit cards
Hi,
This is my first post, so please forgive (and advise) any breaches of etiquette.
Just wondered if I'd received the most expensive CC offer or if anyone can beat it.
T&C's are these:
Vanquis Visa Card
typical APR is 49.9% (but ranges from 32.9%-59.9% on purchases )
£19 annual fee
Starting credit limit of £250
Still, it gave me a laugh this morning when I opened my post.
Happy new year all.
Claire
This is my first post, so please forgive (and advise) any breaches of etiquette.
Just wondered if I'd received the most expensive CC offer or if anyone can beat it.
T&C's are these:
Vanquis Visa Card
typical APR is 49.9% (but ranges from 32.9%-59.9% on purchases )
£19 annual fee
Starting credit limit of £250
Still, it gave me a laugh this morning when I opened my post.
Happy new year all.
Claire
0
Comments
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Claire,
Think you have found it too!
This card is from Provident Financial (a big listed UK company (FTSE 100 even?)) whose main business is doorstep lending.
The only one I've found which beats it is a prepay credit card where you pay them before you make a purchase and pay charges on top!
Might I suggest the Mailing Preference Service if you never get any decent offers through your letterbox! Has killed 99% of my junk mail.
R.Smile, it makes people wonder what you have been up to.
0 -
Prepay credit cards seem to make no sense, what purpose do they serve? I'd rather have a savings account and carry the cash if I were that desperate.
I'm going to sign up to the Mail Preference Service, did the phones last month to stop the annoying cold calls (got them even though I'm ex-directory and am really careful about who I give my number to, although most companies don't have a box to tick for ex-directory or no calling, I even cancelled one of my credit cards when they wouldn't stop calling me with sales)
Just about to start my budget planning (scary prospect, as i'm expecting my first baby in March)
Claire0 -
Prepay credit cards seem to make no sense, what purpose do they serve? I'd rather have a savings account and carry the cash if I were that desperate.
Claire
They enable peopel with BAD credit buy stuff online etc....0 -
Prepay credit cards seem to make no sense, what purpose do they serve?
It's probably the same in the UK though, either with people trying to rebuild their credit or people starting from scratch.Mortgage Feb 2001 - £129,000
Mortgage July 2007 - £0
Original Mortgage Termination Date - Nov 2018
Mortgage Interest saved - £63790.60
ISA Profit since Jan 1st 2015 - 98.2% (updated 1 Dec 2020)0 -
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"To find customers, Vanquis will trawl through the files of private credit rating agency Experian - it holds data on almost everyone in Britain - to identify individuals rejected by other lenders often because they have run into debt problems in the past."
I didnt know such practises were allowed!? :eek: Surely that would show up as another search on someones file!0
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