Credit Cards

Vanquis Credit Card - Only if you must!!

Advantages: easy application, good customer service
Disadvantages: no internet banking, high interest rates and long awaited decision

...I applied on the vanquis credit card application on their website. The application is simple enough and took about 10 minutes. Once i had submitted i was told online that all checks were done and i would be advised via email the decision. I waited a few days and still i had not received anything from them. I then received an email from vanquis with a credit agreement, It also advised that receiving a credit agreement did not mean i had been accepted ...
...full every month. Vanquis have a telephone system where you can register your debit card to make payments - or you can do it via direct debit. You can also pay your bill at the post office. I have found making payments at the post office take the longest to clear on your card. In my opinion it is easier to make payments either over the phone or by direct debit. The customer service is very good and the staff are always very helpful and polite. So ...

ashansell 19.11.2009 · Read full review
Ciao members have rated this review on average: helpful
Review of Vanquis Credit Card

To Egg or not to Egg?

Advantages: Good customer service, Discount Rewards
Disadvantages: Discounts change and other cards have better rewards

...first decided to get an Egg Credit Card to take advantage of a 0% Interest Balance Transfer (BT) about 2-3 years ago. This was so that I could buy a £1,000 laptop (Samsung Q35). The interest free period was only 6 months but that's all I needed to pay off the balance. I think the BT fee was about 2.5% back then. It's a bit higher now, circa 3% in line with other credit card providers. They also have a 0% on purchases offer on the same card, at the ...
...not as a more recent egg card just asked me to log in to view my PIN online. ACCOUNT FACILITIES Logging in involves providing your first name, last name, date of birth, postcode and then your security details such as your mother's maiden name followed by your password. The first four details can be 'Remembered' on your PC so you don't have to keep entering them if you use the account frequently although this is not recommended on public or shared ...

Deru 18.10.2009 · Read full review
Ciao members have rated this review on average: very helpful
Review of Egg Card

Incompetent Barclaycard Customer Service

Advantages: None
Disadvantages: Cutomer Service

...and incompetent customer service from Barclaycard in India. A week ago, I took out a tial 3-day subscription with a website (download-provider.com) and paid the $4 fee with my Barclaycard. I intended from the start to cancel the subscription before 3 days as I knew that if I did not, there would be a recurring monthly charge of $37. However, I never received a confirmation email rom the website, nor any information regarding how to unsubscribe, ...
...to me. I therefore called Barclaycard (a call centre in India) immediately to tell them about the situation and to cancel my card in order to prevent any fraudulent transactions being made. At this point, there were no suspicious transactions on my account and as I was assured that the card had been cancelled, I believed I was in the clear. Relief. However, I logged onto my account last night and found, to my utter dismay, that my card was still ...

Tyler999 17.01.2009 · Read full review
Ciao members have rated this review on average: very helpful
Review of Barclaycard

Handy Little Card

Advantages: -
Disadvantages: -

I have had a Debenhams store card for many years now, as you or may not read my Debenhams review, I can spend an awful lot of time in there and an awful lot of money. Debenhams store cards are issued by GE Money, one of the main companies that department stores, such as Debenhams go through when arranging a store card. Its an ideal piece of plastic if you shop a lot in Debenhams and works like any other store card. When you first take out the card ...
...are various outlets in your Debenhams store that are independent high street names, if it part of the Debenhams store, you are eligible to put these purchases onto your card. Each month you will receive a statement detailing what you credit limit is, what purchases you have made, any payments that have been received, the due date that your next payment is required, you outstanding balance on the account and the amount of credit that you have left ...

blondgem 21.06.2008 · Read full review
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Review of Debenhams Store Card

Amex Platinum Credit Card with Cashback - Mostly Excellent

Advantages: Customer services, cashback bonus
Disadvantages: Not acceped everywhere, high APR if you carry a balance

...to be a lot of American Express Products under this category so I'll clarify which one I am reviewing: The Platinum Credit Card with Cashback. It's a very nice-looking card with a kind of hologram type effect over the whole of the front. There's not really an image as such, just a rainbow effect if the light catches it at the right angle. For any physicist-types out there, I'd say it's probably just a diffraction grating :) Pluses: Customer Services ...
...the direct debit and wouldn't help - meant I could still afford the finer things in life - like food, shelter etc. The Cashback bonus made me £79 over the last 12 months - money for nothing. The more you spend the higher the payback is - 0.5% if you spend up to £3,500; 1% if you spend up to £10k; 1.5% if you spend more than £10k. Don't go mad though :) Automatic repayment of the entire balance means it works like a charge card (no interest) without ...

badshopper 21.03.2009 · Read full review
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Review of American Express