Pros, Cons, & Details. The AvantCard Credit Card is an unsecured credit card, meaning that unlike a lot of other cards for those with limited credit, it doesn't require a security deposit as. Aqua credit card review. a. 5% or 2% back, depending on your eligibility for the credit union's Honors Advantage program. If you do decide to use your credit card on holiday, it can be easy to make some of these common mistakes: Beware of cash withdrawals. Vanquis can help you too. It’s free to use and if you win, they’ll. It’s fast, secure, and fuss-free. APR is dependent on the credit status of the applicant. Check your transactions. Representative example: When you spend £1,200 at a purchase rate of 34. The. Q&A Ask a question about Vanquis Bank Credit Card. Write a review. 99% Variable. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Do you agree with Vanquis's 4-star rating? Check out what 28,547 people have written so far, and share your own experience. 2. Enter your details and apply for a Vanquis credit card. Do you agree with Vanquis's 4-star rating? Check out what 31,829 people have written so far, and share your own experience. , your representative rate is 34. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. paying on time. 34. Our picks for the 16 best credit card in Canada. 24%, or 29. See up to 12. Credit One annual fees Credit One Bank’s annual fees range from $0 to $99. The Vanquis Balance Transfer Offer credit card lets you transfer your debt from one or more credit cards onto the Vanquis card. Do you agree with Vanquis's 4-star rating? Check out what 31,628 people have written so far, and share your own experience. The Vanquis Credit Card is one of the first specialist credit cards available to people with poor credit ratings. 5%. By hscdade on December 12, 2022 January 2, 2023. The music playing in this Vanquis credit card advert is a song called ‘Walk Tall’ that’s performed by the Irish singer Val Doonican. | Read 29,781-29,800 Reviews out of 30,556Do you agree with Vanquis's 4-star rating? Check out what 29,146 people have written so far, and share your own experience. 4. 1 star. Unfortunately, the scammers out there are very clever and they can make an e-mail look like it came from whoever they want and make the link look like it takes you to whichever website they. You can make all kinds of purchases using this card. The Vanquis Classic credit card is part of Vanquis's range of cards for people with a poor credit score, offering the opportunity for those individuals to improve their credit rating over time by using and managing the card responsibly. If you use a debit card for your payment, your balance will update within 2 working days. 9% to 59. As I mentioned, I have no experience with Vanquis, but I would never trust any link in an e-mail from any credit card provider or financial institution. paying off at least the minimum amount each month. Sign-up bonus: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases. Download it now and take advantage of these features and more: View your PIN and card details. Many people have written reviews online about them and their experiences. 34. Once you pass verification, then: From the Nexo app dashboard, tap on Buy . Overall rating. Tailored credit limit up to £1,200 subject to eligibility. Invited. If that isn't a testament to the kind of company they are, I don't know what is. Bank Credit Cards. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Free eligibility check. Touch FeaturesCredit set between £250 furthermore £1,500Chance to increase credit limits up to a maximum £4,000Credit boundary proofed every 5 months£10 monthly. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. 2K Posts. It’s fast, secure, and fuss-free. | Read 24,381-24,400 Reviews out of 25,684Do you agree with Vanquis's 4-star rating? Check out what 31,759 people have written so far, and share your own experience. One of the main things of a good company. | Read 28,241-28,242 Reviews out of 28,242Vanquis Bank is a company in the U. It is quick and easy managing your Vanquis credit card with the Vanquis app. See if you’re eligible for a Vanquis credit card today. Whether you’re looking for a credit builder or just want to take control of your money, the Vanquis Bank app makes it easy to manage all of your accounts. After 60 days of hold up& requesting all. , like other cards offered by Vanquis, use the Visa credit card network. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. Steps to get your free £25: Click the Vanquis referral link. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. 5%. I have called the bank/catalogue/credit card companies before and they have things to sell me and it just annoys me, so I do everything by letter. I had a small spend (£21. 3% credit card may be the right choice if you’re just qualifying for a credit card but want the interest rate lower than the Vanquis. Compare. Download the Vanquis App to quickly and easily manage your account. | Read 3,841-3,860 Reviews out of 25,683Steps to get your free £25: Click the Vanquis referral link. HSBC Credit Cards. Enter your details and apply for a Vanquis credit card. The time it took from application to card in wallet was 5 working days. | Read 2,561-2,580 Reviews out of 31,346Do you agree with Vanquis's 4-star rating? Check out what 31,706 people have written so far, and share your own experience. • Sign up using my referral link • Create a credit account • Make a purchase of £1 or more. Vanquis Bank App. This morning I received my 2nd statement and was surprised to see the sum of -£1. As above, Aqua harder to get than a Vanquis card. The reviews are pretty good so far. The card has an annual fee of either $75 the first year, $99 thereafter for the Plat-201 version of the card, and $59 for the first year, and $59 thereafter for the Plat-209. At its core, it's a fairly straightforward rebranding of a. (Again, whether you can actually make the purchase also depends on your credit card issuer's policies. There is a interest free period of 56 days on purchases. WARNING TO OTHERS - Vanquis will block your credit card for use if you write a negative review on here. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. paying off at least the minimum amount each month. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. Earn unlimited 2% cash rewards on purchases. Historically, Vanquis has offered competitive 4 and 5 Year Fixed Rate savings but during 2020 branched out to offer shorter terms. Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative of the following: 1. 9%. 9% APR (variable). Initial credit limits are lower, between £150 and £1,000, with a representative APR of 29. They are headquartered in London and have over 1,000 employees across the UK. 0. Those that do let you buy cryptocurrencies with a credit card, such as Coinmama, may only accept Mastercard and Visa cards. 20. The other. In addition, there’s a annual credit of $300 for all bookings made through Capital One Travel. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. 2 out of 5 on review platform Trustpilot (updated September 2023). 9%p. American Express reward credit cards can help users boost their American Express Membership Rewards points or points associated with other schemes such as Nectar. The Vanquis Credit Card Review is another popular UK credit builder card. Select your asset and enter the amount you would like to spend. 9% based on your credit score. APR is dependent on the credit status of the applicant. Do you agree with Vanquis's 4-star rating? Check out what 31,540 people have written so far, and share your own experience. Some cards offer rewards in the form of cash back. provides a range of credit cards & personal loan options. The FOS is an independent body that can help settle disputes between consumers and financial service providers. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Our helpful community of likeminded people will be happy to answer any questions that you have. 6 reviews. Do you agree with Vanquis's 4-star rating? Check out what 29,452 people have written so far, and share your own experience. Rates starting from 29. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. We offer personal loans for up to £10,000. 75-1. Who Are We. American Express credit card review. Rewards: Save 5% at Target every day. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. I rarely use my credit card or the online account and have a good history with them, paying promptly each month. Straightforward rewards with a competitive flat rate on. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. • Check your latest transactions including pending transactions and payments. The Discover it® Cash Back has a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 17. ”. It came joint 13th out of 29 providers, alongside Sainsbury's Bank. This means if you clear your balance in full and on time each month, you won’t have to pay a. In fact, the Chrome's interest rate is lower than most other credit. Registered number 02558509 England. My Credit rating was not very good at the. Siddharth. If you need local currency, it’s usually best to take this with you. Vanquis | Visa credit card. 4 31,795 total 82% 2% 2-star 1% 1-star 6% Filter Sort: Most relevant RA Rachel 3 reviews GB A. Ink Business Preferred® Credit Card – Best Business Credit Card. 9% (variable) p. 9%, although there isn't an annual fee. co. Read our credit card guides to help you better understand credit cards and choose a card to suit you and your needs. 3. Usually this is done when you are paying a high level of interest on your card and can save money by moving to a card with lower interest (or no interest to pay at all). Pros of the Origin credit card. As a credit-builder card, Vanquis Classic interest rates are higher-than-average, but these can be. Do you agree with Vanquis's TrustScore? Voice your opinion today and hear what 31,513 customers have already said. The APR of Vanquis Visa Credit Card is higher other credit. Target Credit Card. | Read 24,961-24,980 Reviews out of 26,653Do you agree with Vanquis's 4-star rating? Check out what 27,771 people have written so far, and share your own experience. Chart Diwali Offer (2023): Get 1500 Points on Ultimate Credit Card. 1. I tried to call Vanquis Bank on the number of their website 0330 0993000; however they informed me that the savings arm had little to do with. To help you control your spending and payments, our credit card offers come with a tailored credit limit. Download or Preview at: Amazon UK. 9% APR (variable). Write a review. 2. Customer reviews. Get £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. 0% APR offer. Comments. Accessible for people with less-than-perfect credit scores; No annual fee to help you save money for important things; The initial credit limit of up to £1,500 will get reviewed every 5 months, and you will get an increase;. You'll be able to: • View your current balance and available spend. MBNA achieved a customer score of 72% in our latest credit card satisfaction survey, placing it in the middle of our table. Plus, there’s a one-time program fee of $95 upon signing up. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. Cons of the Post Office Money Classic credit card. Vanquis Bank Credit Card – Questions & Answers. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. This morning I received my 2nd statement and was surprised to see the sum of -£1. Confirm your purchase and you’re done!Summary of Money’s Best Credit Cards of November 2023. A relatively high interest rate on purchases. Steps to get your free £25: Click the Vanquis referral link. Info about the BankAmericard® Secured Credit Card has been collected by WalletHub to help consumers better compare cards. Enter your details and apply for a Vanquis credit card. Check out what 25,694 people have written so far, and share your own experience. The online application is very simple and quick. Trajal Forumite Posts: 550. Depending on your circumstances, your thimbl. Vanquis Reviews 31,826 •. Here is the earning structure on this card:2. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. | Read 25,941-25,960 Reviews out of 27,351Do you agree with Vanquis's 4-star rating? Check out what 31,758 people have written so far, and share your own experience. Do you agree with Vanquis's 4-star rating? Check out what 26,913 people have written so far, and share your own experience. The mobile app from Vanquis has a rating of 4. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Vanquis will check your eligibility first with a soft credit check. Representative example: When you spend £1,200 at a purchase rate of 34. Find out information about credit limits, fees, charges, minimum payment & foreign usage for the various Vanquis credit cards. Halifax credit card review. For example, you could receive a cashback yield of 0. Download the app. Something to keep in mind when using your Target RedCard is the 5% discounts do not apply to prescriptions or over-the-counter items located behind the pharmacy counter. Unfortunately Vanquis tend to lead you astray when saying it will improve your credit rating!. 5. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Best rewards card for everyday spending. Their Aquis Credit Card can be a great tool for those who are new to credit or have had some problems in the past and now want to build or rebuild their credit rating. Registered number 02558509 England. Total Visa Credit Card basics. Annual fee: $75 for first year, $48 annually thereafter. VAT number 180555952. | Read 1,841-1,860 Reviews out of 31,343Do you agree with Vanquis's 4-star rating? Check out what 31,492 people have written so far, and share your own experience. 1. a. Just keep in mind that a 3% balance. Smart Money People is the place for Vanquis Bank reviews. Now over a week later and several more phone calls this still has not happened. SunTrust Cash Rewards Credit Card. 4. Cardholders get nearly two years to pay down a. The Financial Ombudsman Service (Fos) If your claim for mis-selling of a Vanquis credit card has not been resolved, you may be able to take it to the Financial Ombudsman Service (FOS). Representative example: transferring £2,000, 2. Credit is subject to status and terms apply. | Read 26,561-26,580 Reviews out of 27,884Do you agree with Vanquis's 4-star rating? Check out what 31,756 people have written so far, and share your own experience. 1. Read and write reviews to help increase trust and transparency in Financial Services. S. Aquis Credit Card Review. Forbes Staff. 4. 1 review. Your thimbl. My credit rating was poor so I am grateful to be accepted by Vanquis to help get my credit rating back to where it should be. | Read 301-320 Reviews out of 31,125. | Read 10,101-10,120 Reviews out of 26,639Do you agree with Vanquis's 4-star rating? Check out what 28,852 people have written so far, and share your own experience. Find testimonials from customers who have used our services, repaired bad credit, and are no longer refused credit. 9% APR (variable)Steps to get your free £25: Click the Vanquis referral link. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). There are many gripes about vanquis expressed on this very forum. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. | Read 26,781-26,800 Reviews out of 27,48011/17/2023. Vanquis Bank achieved a customer score of 66% in our latest credit card satisfaction survey, coming joint 25th out of 29 providers, alongside Co-operative Bank. Representative example: When you spend £1,200 at a purchase rate of 34. 9% Representative. As with any credit card, Barclaycard’s Platinum card offers protection on purchases costing more than £100 and up to £30,000. | Read 26,201-26,220 Reviews out of 27,516Vanquis scam? Two months ago I began an account with Vanquis Credit card (Visa) and was given a £500 credit limit. 98% balance transfer fee, 0% over 30 months then 22. The reviews are pretty good so far. 0 ★★★★★ Finder. card in most retailers, wherever you see the Visa sign. The first credit card is the Vanquis card, with APR ranging from 39. These offers can help build or rebuild a low credit score when you make on time payments and keep your balance low relative to the credit limit. | Read 13,481-13,500 Reviews out of 31,396Hi Everyone, i currently have a vanquis credit card, and I am at the top limit of £3,000. Do you agree with Vanquis's 4-star rating? Check out what 30,543 people have written so far, and share your own experience. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. 5 percent APR which is variable for different conditions. Keep a copy of the letter (s) you send for your records. First Direct credit card review. In the credit card reviews below, you can easily compare the costs, terms and perks of each, plus find expert recommendations for specific needs. vanquis chrome credit card review what is vanquis New vanquis payment options is. Caret Down. Banking & Money; Bank; Vanquis; Overview Reviews About. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Vanquis is a loaner that might be able for deployment loans in join because less than perfect credit histories. As mentioned earlier, the Chase Sapphire Preferred® Card has an annual fee of $95. Annual fee: $0. Do you agree with Vanquis's 4-star rating? Check out what 26,903 people have written so far, and share your own experience. No reviews yet. 5/5. Find The Best MasterCard Credit Cards. Download and register, or open the Vanquis Bank App. Vanquis Bank App. Do you agree with Vanquis's 4-star rating? Check out what 30,612 people have written so far, and share your own experience. 4/5 Trustpilot rating and has more than 26,000 reviews, with most customers calling it “Excellent. I had a small spend (£21. | Read 26,641-26,660 Reviews out of 26,964Do you agree with Vanquis's 4-star rating? Check out what 31,652 people have written so far, and share your own experience. Follow the instructions to complete your payment. 3/5 for Cost, and 3. Say hello to better credit, and better banking. Updated: Jan 13, 2023, 2:43pm. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. Like it should be. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Check your transactions and 12 months of statements. If you’re trying to rebuild your credit score it’s important to pay off your balance in full each month so that you don’t incur any interest. S. Helping you to better credit and a better everyday life. | Read 26,321-26,340 Reviews out of 26,644Do you agree with Vanquis's 4-star rating? Check out what 26,909 people have written so far, and share your own experience. Find out nearly the features in an Vanquis loan. 2. Do you agree with Vanquis's TrustScore? Voice your opinion today and hear what 28,333 customers have already said. 5% APR (variable) Vanquis Classic Card - 39. 00. It’s designed to help people improve their credit score, but also to encourage responsible borrowing and spending. Bank Altitude® Go Visa Signature® Card * offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed. Vanquis have given me an opportunity to improve my credit score. As the name. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. written by Harper190 on 16/06/2016. 0/5. Do you agree with Vanquis's 4-star rating? Check out what 27,227 people have written so far, and share your own experience. View your most recent and upcoming transactions. Reply from thimbl. Initial credit limits are lower, between £150 and £1,000, with a representative APR of 29. Bank Altitude® Go Visa Signature® Card: Best for Dining rewards. Read our expert opinion and real customer reviews to help you make the right choice. Most recently we’ve acquired Snoop, a platform which provides data-driven, personalised insights (or. ’. Visit our Best credit card providers 2023 guide to read the full survey results and compare Aqua's customer score with other companies. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in the first 3 months and enjoy. Pros of the Chrome credit card. You can manage your account on the go even more quickly and easily with the Vanquis Bank App. If you are unable to sign in and need to make a payment, payments can also be made via bank transfer to the following details: OwnBrand (Aqua, marbles, opus, fluid, Bip) Sort Code: 40-05-30 Account Number: 8460 3001 Reference: Your 16 digit NewDay card or Account Number All other brands: Sort Code: 09-01-09 Account Number: 0100 0007 Reference. Read 1 more review about Vanquis. It has two credit card. Facility to set up email and text alerts to help you remember when payments are due. The interest rate is one of the lowest available on a card aimed at people with adverse credit. Do you agree with Vanquis's 4-star rating? Check out what 31,829 people have written so far, and share your own experience. Like it should be. So you can check out reviews of the biggest names in the credit-builder market like Aqua, Barclaycard,. If you are unable to sign in and need to make a payment, payments can also be made via bank transfer to the following details: OwnBrand (Aqua, marbles, opus, fluid, Bip) Sort Code: 40-05-30 Account Number: 8460 3001 Reference: Your 16 digit NewDay card or Account Number All other brands: Sort Code: 09-01-09 Account Number: 0100 0007 Reference. It has a 4. Like nearly all unsecured credit-building cards, the Milestone Mastercard carries an annual fee. Check your transactions. A personal loan gives you flexibility to borrow a lump sum and pay it back over a fixed period with regular monthly payments. Regardless of your personal APR, this card comes with 48 days’ interest-free on new purchases. vanquis is refunding is vanquis bank in trouble is vanquis a good credit card is vanquis bank safe for savings is vanquis app down is vanquis bank part of barclays is vanquis bank covered by fscsGet £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. Regardless of your personal APR, this card comes with 48 days’ interest-free on new purchases. Terms apply. | Read 23,841-23,860 Reviews out of 27,555Do you agree with Vanquis's 4-star rating? Check out what 26,907 people have written so far, and share your own experience. | Read 30,061-30,080 Reviews out of 30,449It’s best to raise your dispute as soon as you realise there’s a problem with your transaction. The first credit card is the Vanquis card, with APR ranging from 39. Profile and reviews have been merged. Enter your credit or debit card details. Do you agree with Vanquis's 4-star rating? Check out what 27,879 people have written so far, and share your own experience. Aquis Vs. Standard Chartered Bank has a decent targeted offer for 2023 Diwali on Ultimate Credit Card and probably on other credit card variants as well. Detailed review: Chase Freedom Unlimited®. There is no confusion reading the transaction page and you get reminders if payment is due. They may be called bad credit cards, sub. If no or poor past history, try Vanquis or Capital One first and pay off in full. Stan. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. | Read 29,521-29,540 Reviews out of 30,178Do you agree with Vanquis's 4-star rating? Check out what 26,907 people have written so far, and share your own experience. Download and register, or open the Vanquis Bank App. You'll be able to: • View your current balance and available spend. That’s why this Vanquis Bank Chrome Credit Card review presents you with the following key points: Pros . The Bank has significant excess liquidity, which is good for its. It can earn 2x miles on Airbnb and Vrbo bookings, as this card earns 2x on all eligible purchases. Their trustpilot reviews are not very good but the complaints are mainly from disgruntled borrowers. Every card has specific consumers. Personal loans allow you to cover large costs, such as home improvement or new furniture, by spreading your. Vanquis Bank can be contacted at its registered office, which is at No. About Vanquis Bank Ltd: Vanquis Bank’s products serve customers ranging from those who have had credit problems in the past, to those completely new to credit, are self-employed or have a low income. The Vanquis Classic Credit Card is a credit-builder card that can help people with bad credit to rebuild their credit rating. Credit Limit. You’ll then have 9 months at 0% interest to pay off the balance. This is because Vanquis agreed it had breached the Principles and so was eligible for a 30 per cent discount. Card type: Travel. There’s no annual fee on the U. Phone: 0871 770 5555. The interest rate on this part of your balance will be 12. As a credit-builder card, it can. What is the highest credit limit with Vanquis? In addition to its credit card, Vanquis offers. In this guide (24 articles) Best credit card providers. ML. The Capital One Venture X card is Capital One’s ultra-premium credit card. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). | Read 31,281-31,288 Reviews out of 31,288Do you agree with Vanquis's 4-star rating? Check out what 27,612 people have written so far, and share your own experience. Best overall cash back credit card. 3% to 34. I am also please with my first time credit limit. This credit card has the highest credit limit among vanquish credit cards, and it has a starting credit limit of £1,200. 9%. 9%. Make payments and set up automatic payments. Iwanttobefree Posts: 2,534 Forumite. Straight forward and easy accessible app. I am delighted to be thimbl customer and I promise to be loyal and honest to Vanquis. Halifax credit card review. 4/5 Trustpilot rating and has more than 26,000 reviews, with most customers calling it “Excellent. You can easily set up a Direct Debit on our app and choose a payment date that suits you. 0. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. Before you apply, use our 60-second online Eligibility Checker to get an instant initial decision without it showing up on your credit file. Nil: Nil: Learn More: Read our Full Review: SimplyCLICK SBI Credit Card: 4. There is a balance transfer fee of 2. Read 351 customer reviews of the Vanquis Bank Credit Card & compare with other Credit Cards at Review Centre. 28 May 2019 at 7:03PM. Our customer stories. Vanquis Chrome Card - 26. £10. View your remaining balance Check your available spending money. Date of experience: 07 November 2023.