Anyone in the Vanquis GOLD club?

keith_lard

Phoned up today and the system told me I was 'gold' customer:beer::beer::beer::beer::beer:


does this mean anything???

any other benifits ????

k.

izools

Epect them to increase your APR soon.

With Vanquis they issue you a gold coloured card once your limit reaches / exceeds 1,500; and most of the time put the APR up shortly thereafter.

My OH started with a 250 limit and 39.9% APR with vanquis. Two years later he had a 3,000 limit and... get this... 69.9% APR. And no, he'd never been over limit or missed any payments on it.

Carry on clearing it in full :beer:

chanz4

false hope thats all, they think makes you want to spend on it like the days gold cards used to be something special

keith_lard

balance is less than £150????

keith_lard

credit limit is now £1750 though

izools

yup, like I say, it's because your limit has exceeded 1,500. Balance doesn't matter

keith_lard

izools wrote: »

yup, like I say, it's because your limit has exceeded 1,500. Balance doesn't matter

Thanks very much for the info!!!

Will clear the balance!:j

Bosie

I reached ''Gold'' status and yes no decrease in APR, my limit was £3000. But paid the balance and asked them to put it to £1000, mainly to keep the green status on credit file.
I was told if you put it down to £1000 you can't ever get an increase again! Don't use the card so doesn't worry me:j

keith_lard

Why do you want your limit at £1000?

and not £3000?

Bosie

keith_lard wrote: »

Why do you want your limit at £1000?

and not £3000?

I would hate it if for any reason I had to really use the card and £3000 was available, the apr is around 59%, I literally keep it only for keeping the green squares on Experian. It did help me over 2.5 years get a 0% card with Flybe and also an Halifax Clarity card.
They don't really reward their customers' with lower apr's, I think if you have been with them 3 years, they should give a more prime rate apr. But yes I understand a long with Aqua they can help you build your credit rating.