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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    sscott5581 wrote: »
    Hi

    Well done on your acceptance!

    Started at £250 June 2008, increased to £500 September 2008 and increased to £1250 January 2009.

    I pay my balance in full every month and I would advice you do the same otherwise the interest charged will be very high.


    Brilliant - Thanks for the advise. I have set up a DD to pay the full balance every month as I refuse to pay 59% APR LOL.

    If you don't mind me asking, what are your spending habbits as I know you any get an increase if you run the account as they wish!

    Thanks for the help & advise tho!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    mellie_rosie wrote: »
    dont got with them! I had the worst experience ever with vanquis

    Hi Mellie,

    My partner has an old Vanquis card that she let me use.

    During the 24 months I used the card I had nothing but praise for them.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    cifpower wrote: »
    On the contrary, I have nothing but high praise for them

    Hi Cif,

    Did you have your first increase after 3 months?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • cifpower
    cifpower Posts: 6,502 Forumite
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    Innocent_Guy wrote: »
    Hi Cif,

    Did you have your first increase after 3 months?
    After 6 months for me. Am currently waiting on my second increase - hopefully! :D
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    cifpower wrote: »
    After 6 months for me. Am currently waiting on my second increase - hopefully! :D

    Thanks Cif,

    Do you pay in full or min payment? How do you run your account?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • cifpower
    cifpower Posts: 6,502 Forumite
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    Innocent_Guy wrote: »
    Thanks Cif,

    Do you pay in full or min payment? How do you run your account?
    Mostly in full but I have let them charge me interest for a few months so they make some money out of me. My reasoning is that it may prompt them to increase my limit. Haven't used my card since December though.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    Innocent_Guy wrote: »
    Brilliant - Thanks for the advise. I have set up a DD to pay the full balance every month as I refuse to pay 59% APR LOL.

    If you don't mind me asking, what are your spending habbits as I know you any get an increase if you run the account as they wish!

    Thanks for the help & advise tho!


    HOW MUCH percent?????? Mine is tier 1 but doesnt add up right cos on the letter than came with the card it says 31.4% for purchases and 34.9% for cash. neither of these match any tier that they advertise.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • UncleSimit
    UncleSimit Posts: 167 Forumite
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    I applied for this card over two weeks ago and i'm to received a response too. They havent even done a credit check on me either :confused:. Tried ringing the number in the email I got from them and pressed 3 but was just told by the automated service i'd be contacted soon.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    MasterSimit wrote: »
    I applied for this card over two weeks ago and i'm to received a response too. They havent even done a credit check on me either :confused:. Tried ringing the number in the email I got from them and pressed 3 but was just told by the automated service i'd be contacted soon.

    yea took me by surprise. You'll know answer if you start to get 3 or 4 missed calls a day at home.... they always ring landline (well almost always!) :beer:

    By the way, it can take several weeks to sort out an account
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
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    never-in-doubt wrote: »
    yea took me by surprise. You'll know answer if you start to get 3 or 4 missed calls a day at home.... they always ring landline (well almost always!) :beer:

    They rung my mobile.............
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
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