FAQ

Not necessarily. Your credit history needn’t mean you get turned down, applications are considered on merit and we’ll still consider you if you’ve been turned down in the past.

Apply online by filling in our application form.

No, it costs nothing to apply, and if accepted there is no annual fee.

If you apply online you should hear from us in 10 -14 days.

We’ll send you your Card and Welcome pack to your home address. You’ll need to call us to activate your Card.

It usually takes between 10-14 days from you submitting your application, but if we need to contact you for more information it could take longer.

Anywhere you see the Visa sign both in the UK and abroad, and online.

We’ll send you a Monthly Statement listing the date and place of each purchase you’ve made, cash you’ve withdrawn, plus the repayments we’ve received from you. And you can always phone Vanquis QuickCall on 0871 770 5555 to check your account 24 hours a day, seven days a week. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

When we review your application we’ll take into consideration your circumstances and provide you with a credit limit we think you can manage. If we set your limit higher than you would like we’ll lower it for you. Over time we will review your account, and may offer you a credit limit increase if your account is well managed.

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. 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 this criteria does not guarantee you a credit limit increase.

Making repayments on time builds a strong credit rating, and the longer you do this the better your rating will be.

Over the Phone or Online:
Via your bank’s telephone or internet banking service, you can make a one off payment or set up a standing order. Simply quote the following details: (1) Your Vanquis 16 digit card account number (2) Our sort code: 20-11-81 and (3) Our bank account number: 50409510. Please allow 3-5 working days for your payment to reach your account via this method.

or

Phone Vanquis on 0871 770 5555, you can make a one off payment with a Debit Card or set up a Direct Debit for regular payments. Please note that if a friend or relative is making a payment for you using their card, they might only be able to make the minimum payment. Please allow at least 2-3 working days for your payment to reach your account via this method.

Over the Counter:
Over the counter at your Bank or Post Office, together with your pre-printed giro. Please note that the Post Office will charge a fee. If the bank you pay through is not your own bank and is not a Barclays Bank you may also be charged a fee. Please allow 5 working days for your payment to reach your account via this method.

Please remember to always make your payments in good time to make sure they reach your account by the Due Date. We recommend you pay early to avoid possible late charges and maintain your credit record.

By Post:
By posting a Cheque, together with your pre-printed giro (found at the bottom of your monthly statement) in one of our pre-paid envelopes. Please make cheques payable to ‘Vanquis Bank’ followed by your Vanquis Card account number. On the back of the cheque, write your name and Vanquis Card account number. Please note, we normally recommend allowing 10 working days for your payment to reach your account via this method.

We're always here to help you, and that includes any concerns you have about paying your bill. Call us on 0871 770 5555 and we'll see what we can do to help. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

We don't currently offer this service.

As a Vanquis Card customer you have access 24 hours a day to Vanquis QuickCall for balance and credit limit information, or if you prefer to speak to someone you can call Customer Services. Both services are available on 0871 770 5555. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

Once you have applied, you can withdraw your application by sending WRITTEN notice of cancellation to: Vanquis Card, Customer Services, P.O. Box 399, Chatham ME4 4WQ. Once your application is accepted you will have a further short time to cancel the agreement. Again you can do this by WRITTEN notice sent to the address above.

Yes, you can apply to add an additional card holder if your account has been open for at least 6 months, you have a credit limit of at least £500 and your account has been well maintained. If you would like to apply, please call Customer Services on 0871 770 5555 and request an additional card holder form. Once you have completed and returned the form, we will be able to confirm if your application has been successful. (Calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary.)

No, you should be able to view everything on our site without any problems.

Yes, we collect and store your data securely. You should see a small padlock along the bottom of your screen on the application page which shows that the page is secure.

You can call Customer Services on 0871 770 5555 and they will do their best to resolve your complaint. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

If you prefer to write to us please send your letter to Vanquis Card, Customer Service, PO Box 399, Chatham, ME4 4WQ, or you can email us via contact us.

If we can’t resolve your complaint to your satisfaction, you can refer to the Financial Ombudsman at www.financial-ombudsman.org.uk.