'Granite' Credit Card Or Vanquis ?

MichaelCR

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I'm not sure which one to apply for, Both are the same card in general, However having heard reviews about vanquis, And how they pretty much give credit to anyone I'm almost inclined on applying for them, Has anyone here got a Granite card ? Has anyone got any pictures of the Granite card also? I don't like the vanquis design haha.

Fruit_and_Nut_Case

MichaelCR wrote: »

Has anyone got any pictures of the Granite card also?

https://www.granitecard.co.uk/images/creditcards/granite/granite_card3b.jpg

SnowTiger

MichaelCR wrote: »

I'm not sure which one to apply for, Both are the same card in general, However having heard reviews about vanquis, And how they pretty much give credit to anyone I'm almost inclined on applying for them, Has anyone here got a Granite card ? Has anyone got any pictures of the Granite card also? I don't like the vanquis design haha.

I don't think there's really a difference between the two cards. The T&C for Granite refer to the issuer as Vanquis.

Granite cards are more sombre than their Vanquis sibling. Mine looks something like the one on their website: https://www.granitecard.co.uk/. Not quite as dark in real life.

NekoZombie

Think they're the same company, but if it was me I would go for vanquis.

izools

You can get #25.00 cashback if you apply for the Vanquis card via Quidco. You can't for Granite.

paulmoz_2

Hi everybody, Before you even think about a Granite Card or Vanquis card, please read my review. I ordered some cream from a company claiming to be a UK based enterprise Bohemia-style dot co dot uk. This is a company that is currently using the name And Organics to process transactions although using the same website the company changes the Ltd name every time they get their merchant account cancelled by the look of it. Type in bohemia-style dot co dot uk fraud (obviously how a domain should look!) into Google, the scam is simple for them, however Granite and Vanquis will pay the company and leave you high and dry with full knowledge that the transaction is fraudulent. Here is how I have just been stung big time. Placed the order on line. 1 month later no product, despite numerous attempts - not able to establish contact. I contacted Granite Card - filled in form , 2 weeks later - refund. Fantastic! Here's where it gets interesting.... 2 months later check my balance .... the same company then charges my card 3 large sums over 15 days. And then I get a proof of delivery arrive on my door step from the original transaction. This was sent to Granite Card produced by parcel force on behalf of And Organics explaining that I am now liable for the funds. The proof of delivery was signed as my name with a fraudulent signature, parcel force does not have any record of the shipment, the proof of delivery was dated some 8 months before I placed my order....There were over 20 key discrepancies over the proof of delivery which proved it to be fraudulent. I sat down for 5 hrs and documented all the evidence , sent copies of my signature on existing legal documents such as my driving license, pointed out that the date was 8 months prior to the order, pointed out that the shipment does not exist with parcel force, stickers over key identifiers and more importantly the Pod was Italian even though this was a UK based company??? I received a reply from Granite stating that they acknowledge my concerns about the fraudulent proof of delivery, however under Visa regulations they are unable to take the matter any further and I am now liable for the outstanding balance. So ..... if you buy something online using your Granite card or Vanquis visa card and it happens to be a fraudulent company, even if you 100% prove that the goods were never delivered, all the fraudulent company needs to do is generate a fraudulent proof of delivery and they get paid and Granite card or Vanquis will hold you completely liable (even though they are fully aware that the proof of delivery is fraudulent!!!) ] bohemia-style dot co dot uk has been getting away with this fraud since 2006 from what I can see from researching across the net. My advice would be to avoid Vanquis bank & Granite card based purely on the risk of the above happening to you and also please, please tell everybody you know about the bohemia-style dot co dot uk fraud scam. I am currently owing about £540 to the Vanqis Granit Card as a result. Hope this helps somebody out there!

Pipz

paulmoz wrote: »

Wall of text

Oh Lord, my eyes!

[Deleted User]

paulmoz wrote: »

Hope this helps somebody out there!

Not without line breaks it won't