General information
About your application
Customer Services
Using this site
I’ve been turned down before, will that affect your decision?
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.
How long will it take between applying for a Vanquis Visa Card and receiving one?
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.
Will I be charged for applying for a Vanquis Visa Card?
No, it costs nothing to apply, and if accepted there is no annual fee.
Where can I use my Vanquis Visa Card?
Anywhere you see the Visa sign both in the UK and abroad, and online.
How will I keep track of my spending?
We’ll send you a Monthly Statement listing the date and place of each purchase you’ve made, cash you’ve withdrawn, plus the repayments we’ve received from you.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 0870 850 7755 to check your account 24 hours a day, seven days a week. (Please note that calls are charged at national rate).
What if I can’t afford my repayments?
If you ever find it difficult to make a repayment, please do get in touch - we’ll always do our best to help. You can get in touch with our Customer Services team on 0870 850 7755 (Please note that calls are charged at national rate).
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How can I apply?
Apply online by filling in our application form.
How long will it take to get a decision?
If you apply online you should hear from us in 10 -14 days.
What's my right to cancel?
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.
What happens if I'm accepted?
We’ll send you your Card and Welcome pack to your home address. You’ll need to call us to activate your Card.
What will my credit limit be?
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.
How does the Vanquis Card help me build my credit rating?
Making repayments on time builds a strong credit rating, and the longer you do this for the better your rating will be.
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What should I do if I have any questions about my account?
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 0870 850 7755. (Please note that calls are charged at national rate).
How can I make a payment to my account?
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 0870 850 7755, 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.
Can I increase my credit limit?
We will regularly review your account, and if you have met your repayments on time, have stayed within your credit limit and ensured that your account is kept in good working order you will be considered for an increase in your credit limit. You should also make sure that you do the same on other credit agreements as this may affect our decision to increase your credit limit.
Can I add an additional card holder to my account?
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 0870 850 7755 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. (Please note that calls are charged at national rate).
What should I do if I'm having trouble paying my bill?
We're always here to help you, and that includes any concerns you have about paying your bill. Call us on 0870 850 7755 and we'll see what we can do to help. (Please note that calls are charged at national rate).
Can I manage my account online?
We don't currently offer this service.
What should I do if I have a complaint?
You can call Customer Services on 0870 850 7755 and they will do their best to resolve your complaint. (Please note that calls are charged at national rate).
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.
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Is the information I give you on this site secure?
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.
Do I need any special software to use the site?
No, you should be able to view everything on our site without any problems.
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