Build or Rebuild your Credit Rating with a Vanquis Visa Credit Card

  • You'll start with an easy to manage Credit Limit between £150 and £1,000^
  • You could get a Credit Limit Increase on your 4th statement*^.
  • And further increases every 4 months, up to £3,000*^.
  • A friendly UK Customer Service call centre.
  • Online and SMS Account Management.

Representative 39.9% APR (variable)

Purple spiro Vanquis credit card with slant mirror effect

Improve your Credit Rating with a Vanquis Visa Card

Maybe you're on a low income or retired? Perhaps you've run into difficulties and been left with bad credit or poor credit history? You may simply have no credit history. We assess your personal situation now rather than just turning you away based on the past. Responsible use of our credit cards can help people with bad credit to rebuild their credit rating. So far we have already helped over 2.5 million people get back on their feet. Why not apply today and join them?

Credit Cards to Meet Your Requirements

Whatever your status or needs, Vanquis can offer a solution for you, including:

A Sensible Limit on Credit Cards

As a responsible lender, Vanquis Bank will seek to provide you with a credit limit that reflects your needs and your ability to manage your account. As a new customer, you'll start with an easy to manage credit limit between £150 and £1,000^. You could get a credit limit increase on your 4th statement and further increases every 4 months, up to £3,000*^.

To be considered for a credit limit increase, you should make use of your credit limit without going overlimit and make your payments on time. By using your credit limit and keeping your account in order, you demonstrate to us that you can manage your account well and can handle the monthly repayments. 

Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. Please remember this is just a guide and meeting these criteria does not guarantee you a credit limit increase.

Friendly UK Customer Service Call Centre

We offer responsible, reliable support when you need it. Our UK customer service agents are always very happy to listen to your needs and help. So apply today and start building your credit rating right away. 

We also provide helpful services such as Repayment Option Plan, an optional feature of your Credit Card account. Find out more here: About Repayment Option Plan.

A Simple Online Credit Card Application Process

It's easy to apply for a Vanquis Visa Credit Card. We may be able to give you a quick decision within 60 seconds, but we will certainly confirm receipt of your application within 60 seconds and the next steps involved.


Flexible Card Repayment Options

Life is unpredictable at the best of times. And we fully understand that your circumstances can change. That's why our poor credit credit cards give you the flexibility to budget, in order to pay off what you can afford each month

When money's tight, you only need pay off the minimum amount, and when you can pay off more, you can too.

Similarly when you buy any goods with your credit card. You'll enjoy 56 days' interest-free credit on any purchases provided that you paid off the entire balance for two consecutive months.

Convenient and Secure Online Shopping

Like other credit cards, you can use your Vanquis Visa Card across the world to buy online and over the phone. It lets you buy things when you need them and pay for them when you've got the money. And it's secure too.

View the Vanquis Visa Credit Card Summary

Build your credit with a Vanquis Credit Card

  • Manageable starting Credit Limit of between £150 and £1,000^.
  • You could get Credit Limit increases every 4 months up to £3,000*^.
  • Exclusively UK based Customer Service.
  • Online account servicing & SMS alerts.

Representative 39.9% APR (variable)

World Vanquis credit card with slant mirror effect