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Vanquis APR 59.9% Ouch

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First thing i have no financial problems with Vanquis. I pay my card off in full each month so pay no APR


I understand the Vanquis Credit Card is designed for people with a less than a perfect credit hstory and are a major asset in positive markers with the credit agencies. To Off-Set that risk they charge 59.9% APR for which i have no objection. (Well i do, pay it or no card)


When i went to their "Gold Status" for being a good boy they put my credit limit up to £2250 and further to £3000


I was assured the APR will go down to reflect my good relationship with Vanquis. I have just discovered the APR is still set at 59%


Jacking up the credit limit and still have a 59.9% APR has to be iresponsible lending practices


I have just made an official complaint and as usual can take up to 56 days etc etc for a response


Do not get me wrong i have no complaints against Vanquis as i fully understand they offer a service to the sub prime market. My credit rating is now excellent to an extent being accepted for a Barclaycard with an APR of 18.9%


All i am asking is that Vanquis match that APR and i will stay with them

Edited by obiter dictum
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