Yes, you can now manage your account online via our secure online service called eVanquis. Once you have registered for this service, you will be able to view your account balance, access your statements and pay your credit card bill.
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. For more details see our response to What if I change my mind? Can I cancel my card and how long do I have to do that?
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.)
It is important that you contact us as soon as you find you may have difficulty meeting your minimum payment.
It is important to check your statement each month and ensure you can meet at least the minimum payment on your outstanding balance. Wherever possible you should try to pay more than the minimum payment.
When you borrow money on a credit card, the credit is‘unsecured’ because it’s not linked to your property; and ‘open ended’ because the account is not set to last for a specific length of time. This means that we face more risk than other types of credit product, such as personal loans and mortgages. Also, your financial circumstances can change over time, which means there may be a higher risk that you will not be able to pay back the money you have borrowed.
Changing the interest rate allows us to respond to expected changes in the economy; the cost of providing credit; and your financial circumstances.
If we didn’t adjust interest rates in this way, we might have to take your card away, or you may have to pay new charges.
We will not increase your interest rate within the first year when it is linked to risk-based re-pricing. This means your interest rate would only increase within the first year because of changes, for example, in the economy.
We will not increase your interest rate more than once every six months.
When we tell you about an increase in your interest rate, we will explain in clear language how it is changing, what it will cost and the options available to you.
If you ask, we will give you information on how and why we have changed your interest rate.
We will write to you to tell you about an increase in your interest rate, if you are unhappy with the interest rate we move you to, you must contact us within 60 days of the letter telling you about the rate increase and inform us you wish to close your account. You will then be able to clear your outstanding balance at your current Interest Rate, after which your account will be closed.
To have your statement sent in Large Print, Audio or Braille please contact Vanquis Customer Service on 0871 770 5555 who will be able to help you.
Vanquis Bank can offer a number of reasonable adjustments, please contact Customer Service on 0871 770 5555 who will be happy to discuss what options are available to meet your individual needs.