Was there any particular reason why my reply was deleted? Moderator - Yes there was, it contained a link that contavenes the MS forum rules. Please ensure you read the moneysupermarket.com Community Standards and Terms of Service</span> before posting. Thanks
I was simply pointing out that the APR on the Vanquis Gold card is variable & although they tell the customer it is only 19% they are actually charging people anything up to 29%APR instead and cover themselves by saying the 19% was 'variable'. The following quote is from a review by someone who was also upgraded to Gold card status.
<BLOCKQUOTE>Please watch out for small print and make sure you read it, 3months ago I received Vanquis Gold card with credit limit of £2000 with 19.9% APR and now 2 month later I rang up and questioned about APR on Gold card and the answer was 29.9%. Vanquis website clearly states Typical 19.9% APR for Gold card. Duty manager from Vanquis saying website is only for guide and its not actual information for customers.</BLOCKQUOTE>
It does seem that they are not being completely transparent when they upgrade existing customers & it would be advisable to investigate further if they do upgrade you to Gold card status.