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Vanquis Bank and Credit Card

Advantages: Gives credit to those who wouldn't otherwise get it.
Disadvantages: Very high interest, terrible customer service.

A couple of months ago we made the mistake of getting a credit card "for emergencies", it was meant to be...but as always happens, it was used when it wasn't necessary (mainly by my husband!!!!). Vanquis Bank are a company who offers credit to people with a bad credit history (i.e. CCJs, missed payments etc and just no credit history). Anybody who has ever tried to get credit for the first time will know its sometimes very difficult, if you have never had any kind of credit given to you, companies won't take you on, as they don't know if your a risk or not...and so Vanquis offer a "credit score boosting card"...basically they give a credit card with £300 limit on it to people who have never before had a credit card and probably don't know how to use them correctly. (Before you start...I'm not calling everyone with no credit history ...

stephbond89 14.06.2009 · Read full review
Ciao members have rated this review on average: very helpful
Review of Vanquis Credit Card

Vanquis Credit Card

Advantages: Convenient, Accessible to those with poor credit rating
Disadvantages: High interest rate and heavy debt collecting if you default

I have been unfortunate in my life to accumulate a number of credit card and loan debts. I have been struggling to pay these for the last four years, although I have now reached a point where things are getting much easier to handle, and the total value of my debt has decreased significantly. When I realised there was a problem, all my credit cards were cut up and returned to the respective creditors. However, this of course left me without a credit card. Initially, this didnt seem to be a problem, as quite frankly I had had enough of them! However, when my bank decided to withdraw my debit card as well, things took a turn for the worse. In this day and age it is increasingly difficult to be without either a debit or credit card. Because of this, I have tried continuously over the last couple of years to apply for both credit ...

TheHairyGodmother 15.04.2006 (17.03.2007) · Read full review
Ciao members have rated this review on average: very helpful
Review of Vanquis Credit Card

Virgin Credit Card : 'Plastic Fantastic'

Advantages: Lower interest rates than other credit cards, stylish choice of card designs, widely used
Disadvantages: Minimum payment of £25 is quite high. Additional charges can be costly, alot of additional post.

The Virgin Credit Card from Virgin was launched in the UK in 2002. Since that time it has grown into one of the most well known and recognizable credit cards on the market today. Offering low APR, interest, and a range of other features such as money off other virgin products this card do have many rewards. Signing up to a Virgin card is easy and can be done either on the phone or the Internet. I chose to use the internet because I felt that it was the quicker option and less hassle. I went to, www.virginmoney.co.uk, clicked on the virgin credit card option and this loaded up the details and benefits of the card along with how to sign up. Through the online credit card application you simply fill in your details, income earned per year, address and phone number. You have the option to choose a card design, at the moment there are 3 ...

f1insidetrack 01.12.2009 · Read full review
Ciao members have rated this review on average: very helpful
Review of Virgin Credit Card