planning on spending £250 with my vanquish credit card advice needed!!

richie33_2

a51_ufo wrote: »

And you have been given some great advice!

thanks...:D

just some people on here talk a bit !!!!!!!! and to me i dont have a clue as what their on about!..:cool:

richie33_2

YorkshireBoy wrote: »

And that's what you've had. In case you missed it when you first registered, the name is moneysavingexpert...not moneywastingexpert!How old are you?And I've told you...£4.15

well at the time of u writing thisi was writing mine!!!!!

if i only pay back £4.15 whats the big deal..............

Derivative

richie33 wrote: »

well at the time of u writing thisi was writing mine!!!!!

if i only pay back £4.15 whats the big deal..............

You have the option of not paying £4.15.

If you go to Tesco and see a twix bar for 50p, and one next to it for £4.65, would you buy the £4.65 one?

Do you work, and if so, what is your hourly wage? £4.15 is 40 minutes of labour at minimum wage.

If you want to give your hard earned money away to fat cats, go for it. Threads like these make me want to buy shares in Provident, it never ceases to amaze me how people will give up the fruits of their labour for no tangible benefit.

richie33_2

Derivative wrote: »

You have the option of not paying £4.15.

If you go to Tesco and see a twix bar for 50p, and one next to it for £4.65, would you buy the £4.65 one?

Do you work, and if so, what is your hourly wage? £4.15 is 40 minutes of labour at minimum wage.

If you want to give your hard earned money away to fat cats, go for it. Threads like these make me want to buy shares in Provident, it never ceases to amaze me how people will give up the fruits of their labour for no tangible benefit.

well its quite obviously that people on here r tight gits..[no offence]..i dont think ulot would give away 5p away on interest!! how r these companies gonna earn a living...if it wasent for them i wouldent have a cc!! neither would u lot!...

and about my wages and my age nothing to to with u!!!! next your gonna ask what boxers am i wearing!:(

a51_ufo

richie33 wrote: »

just trying to rebuild my credit as thats why i got a credit card in the first place....:D

May be too late as you have the card already but there are interest free cards available:

http://www.moneysavingexpert.com/cards/best-0-credit-cards

rebuild your credit score with no interest!

jen245

Paying interest on any cc is mad, but on a Vanquis card, it is insanity. If you have the money in savings, buy the item on your cc, then when you get the bill, pay it off in full from your savings. Sorry, but anyone who is actually willing to pay interest on a cc, needs their head examining, especially when its a card from the likes of Vanquis!
Use the card for your normal spends, pay it off in full when you get your statement, get into that habit, as that is the best way to improve your credit rating.
And FYI, cc companies make money from every transaction you make on the card, not just from interest.

richie33_2

Saints2011 wrote: »

You need to sort your attitude !

Pathetic immature brat.

DO ONE!!!!!!!

people like u !!!! me off!!!!!!

Saints2011

richie33 wrote: »

DO ONE!!!!!!!

people like u !!!! me off!!!!!!

Good good brat

blueberrypie

richie33 wrote: »

well its quite obviously that people on here r tight gits..[no offence]..i dont think ulot would give away 5p away on interest!!

I certainly wouldn't *choose* to pay interest if I didn't have to. No sensible person would.

richie33 wrote: »

how r these companies gonna earn a living...

They're not going to earn a living from me. But that's okay, because people like you, who are choosing to pay interest, are subsidising people like me, who are choosing not to pay interest.

Thanks ;-)

richie33_2

please close the thread!!!!

its people like the SAINTS 2011 who causes !!!! just cant SHUT UP and they keep going on...