If you have learned your lesson - Rebuld your credit (Vanquis Credit Card)

Member Name: sickn0te

Product:	Vanquis Credit Card
Date:	17/05/09 (209 review reads)
Rating:

Advantages: low credit ratings accepted, polite and helpful staff

Disadvantages: High interest

When I was younger I had allowed myself to get into trouble with debt. I had had a visa card and it got out of control - I have suffered for this ever since. In 2009 I have made the decision to rebuild my credit so that I can plan for the future (I know I was suprised too at how very sensible this was of me!)

So I had heard many many stories about the Vanquis Visa card - but the one thing that I kept hearing over and over was ' they told me and I ignored it' so I read up on all the terms - yes the interest is horriffic% but thats because I already have bad credit. The one time I went over my limit (by £3) I received a phone call and they said that if I paid it there and then they wouldnt put it on my record - I did and no late payment has ever shown up.

All in all they have been polite friendly and helpful - even made a note of any holidays I am taking so that theydont flag any use as suspicious activity!

I couldnt be happier with Vanquis.

Summary: I couldnt be happier with Vanquis.