VANQUIS CREDIT CARD AGREEMENT AND FULL TERMS

This is a copy of your agreement for you to keep. It includes a notice about your cancellation rights which you should read.

CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974

A. Vanquis Bank Limited whose registered office is at Colonnade, Sunbridge Road, Bradford, Yorkshire BD1 2LQ (we, us, our); and
B. The person signing this agreement and whose name and address is stated on your application (you, yourself, your).

KEY FINANCIAL INFORMATION

  • We will set your Credit Limit when we open your Account; this is the maximum amount that you can borrow and/or spend on your Account (‘Credit Limit’). If we reasonably consider it appropriate (e.g. depending on how your Account is run and/or whether your financial circumstances have changed), we may increase or decrease your Credit Limit from time to time and will notify you of any such change. If you do not agree to any increase of your Credit Limit, please notify us by writing to:
    Vanquis Card, Customer Service, P.O Box 399, CHATHAM ME4 4WQ.
  • You can withdraw cash or cheques on your Account up to your Credit Limit. There will also be a limit on the amount of cash that you can withdraw each day, which will be 20% of your Credit Limit (‘Daily Cash Withdrawal Limit’). These limits are set by us to minimise losses due to any fraudulent use of your Account. We will tell you what your limits are and may change them from time to time.
  • You must make a minimum monthly repayment to your Account each month of: for Gold 3.5% of your outstanding balance or £10, whichever is the greater; for Classic 4.5% of your outstanding balance or £5, whichever is the greater (‘Minimum Repayment’).
  • Your Minimum Repayment must be received by us by the date shown on your monthly statement (‘Repayment Due Date’). Your first Minimum Repayment will be due by the date specified in your first monthly statement. Please ensure that you allow enough time for your payment to clear through the banking system.

The (variable) APR in relation to your Account at the time of the agreement is one of the following: Tier A) 19.9% APR (variable), Tier B) 29.9% APR (variable), Tier C) 39.9% APR(variable), Tier D) 49.9% APR (variable), Tier E) 59.9% APR (variable).

OTHER FINANCIAL INFORMATION

The annual Interest rates (compounded) and the Total Charge for Credit in relation to your Account at the time of the agreement is from one of the tiers A, B, C, D or E below. The Total Charge for Credit is based on a £1,500 Credit Limit being borrowed at the start of the agreement for one year at the relevant interest rate and repaid in full by equal instalments beginning one month after the start of the agreement:

Tier A) Purchase/Balance Transfer annual rate 19.94%, Cheque annual rate 29.95%, Cash annual rate 33.97%, Cash Transaction fee 3%/£3, Total Charge for Credit £153.03 or

Tier B) Purchase/Balance Transfer annual rate 29.95%, Cheque annual rate 39.94%, Cash annual rate 44.27%, Cash Transaction fee 3%/£3, Total Charge for Credit £223.78 or

Tier C) Purchase/Balance Transfer annual rate 39.94%, Cheque annual rate 49.94%, Cash annual rate 54.57%, Cash Transaction fee 3%/£3, Total Charge for Credit £291.13 or

Tier D) Purchase/Balance Transfer annual rate 49.94%, Cheque annual rate 59.94%, Cash annual rate 64.88%, Cash Transaction fee 3%/£3, Total Charge for Credit £355.37 or

Tier E) Purchase/Balance Transfer annual rate 59.94%, Cheque annual rate 69.51%, Cash annual rate 74.75%, Cash Transaction fee 3%/£3, Total Charge for Credit £416.94

  • There is no annual fee.
  • In calculating the APRs, no account has been taken of any variation which may occur to the interest rate (Base Rate and/or Margin Rates) or fees under this agreement.
  • The annual interest rates are made up of: a) the Base Rate and b) an annual Margin Rate in respect of Purchase and Balance Transfer Transactions and an annual Margin Rate in respect of Cash and Cheque Transactions.
  • Interest is charged on transactions at the interest rates (detailed before) from the date of any Purchase, Cash, Cheque and/or Balance Transfer Transaction(s) or any other amount charged to your Account, until repayment in full. Interest is calculated on the daily outstanding balance on your Account and, except in respect of Purchase Transactions where you have paid off two or more consecutive current statement balances in full each month, is debited to your Account at the end of each statement period. At statement date, we will add the interest we charge to the outstanding balance on your Account. This means that you will generally pay interest on interest.
  • If in any statement period you incur interest (excluding Plan Interest) and that interest is less than £1, a minimum finance charge of £1 will be added to your Account in place of that interest which will be waived.
  • You can get up to 56 days interest free credit on Purchase Transactions provided that you pay off two or more consecutive current statement balances in full by the Repayment Due Dates. Please see the example set out in the OTHER TERMS section under the heading ‘Interest’.
  • In respect of Purchase Transactions on your first statement, you will be charged interest from the transaction date until the end of the first statement period but, if you pay off your first statement balance in full, you could get up to 28 days interest free credit.
  • We may change your Margin Rate for any valid reason including, but not limited to:
  1. your credit score e.g. when revising your Margin Rate we may take into account the information you gave us in your application, information we have on how you are using your Account and/ or information we get from credit reference agencies;
  2. economic reasons affecting our business as a whole;
  3. changes in the cost of providing this service to you; and/ or
  4. changes or potential changes in the law or a code of practice.
  • If you require details of how we use your credit score for changes in your Margin Rate, please contact us at Vanquis Card, Department DF, P.O. Box 408, CHATHAM, ME4 4GG;
  • We will give you at least 30 days prior written notice of any such change if the change is to your disadvantage.
  • Your Interest Rate may also change in accordance with changes in the Base Rate. Any such changes will be reflected in the Account Statement sent to you in the month following any such Base Rate change.
  • Where you are not repaying the whole of the outstanding balance on your Account, your repayments to us will be credited to your Account in the following order: a) Balance Transfers and Promotional Rate Transactions; b) interest/minimum finance charge, fees and/or Default Charges; c)Purchase Transactions; d) Cheque Transactions; e) Cash Transactions.

KEY INFORMATION

  • If you breach this agreement and we incur additional administrative costs as a result, we may charge you for the following:
  1. if we have not received your Minimum Repayment by the Repayment Due Date, a charge of £12 (‘Late Payment Charge’);
  2. if the balance of your Account is over your Credit Limit, a charge of £12 (‘Over Limit Charge’). You would also be charged this Over Limit Charge in each subsequent month that you are Over Limit and have used your Card;
  3. if you pay us by cheque or Direct Debit and your bank does not honour the payment, a charge of £12 (‘Return Payment Charge’); and/ or
  4. any other reasonable expenses we incur as a direct result of your breach of this agreement.
  • We may change any of the above Default Charges by giving you at least 30 days notice, unless the changes are to your advantage.
  • Fees not set out earlier in this section and not included in the OTHER FINANCIAL INFORMATION section are set out in the OTHER TERMS section under the headings ‘Other Fees’ and ‘Repayment Option Plan’.

MISSING PAYMENTS

Missing payments could have severe consequences and make obtaining credit more difficult.

YOUR RIGHT TO CANCEL

Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to: Vanquis Card, Customer Service, P.O Box 399, Chatham ME4 4WQ.

If you cancel this agreement, any money you have paid must be returned to you. You will still have to repay any money lent to you. But if you repay all of it within one month after cancellation, you will not have to pay interest or other charges.

IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order.

The Act also gives you a number of rights:

  • You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.
  • If you received unsatisfactory goods or services paid for under this agreement, you may have a right to sue the supplier, us or both.
  • If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about rights under the Act, contact either your local Trading Standards Department or your nearest Citizens’ Advice Bureau.

THEFT, LOSS OR MISUSE OF CREDIT CARD

If your card is lost, misused or stolen, please call Customer Services immediately on 0800 783 9003 to report it. If your credit card is lost, stolen or misused by someone without your permission, you may have to pay up to £0 of any loss to us. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable to us for losses which take place after you have told us about the theft etc. as long as you confirm this in writing within seven days. Please send this confirmation to: Vanquis Card, Customer Service, P.O. Box 399, CHATHAM ME4 4WQ.

OTHER TERMS

Other Fees

  • In respect of each Cash Transaction, we will charge a fee of 3% of the Cash Transaction amount or £3, whichever is the greater (‘Cash Transaction fee’)
  • We will charge a fee of 2.75% of the amount of any non-sterling transaction made abroad (‘Foreign Transaction fee’). The exchange rate on which this fee will be calculated will be the exchange rate on the date the transaction is processed and may be different from the date of the actual transaction.
  • If you write a credit card cheque and it is returned to us unpaid, we will charge a fee of £12 (‘Returned Credit Card Cheque’)
  • We will charge a fee of £5 to your Account for each copy statement issued to you upon your request.
  • If you elect to enrol in Repayment Option Plan, the fees are set out in this section under the heading ‘Repayment Option Plan’.
  • We may change any of the ‘Other Fees’ by giving you at least 30 days notice.

The APR

The APRs set are calculated by assuming that:

  • the whole of your Credit Limit, including any annual fee, is withdrawn by you when you open your Account;
  • the credit is provided for a period of one year from when your Account is opened;
  • we charge the interest rate for Purchase Transactions on your Account; and
  • you repay us each month by twelve equal instalments.

Interest

  • The following is an example of how you could get up to 56 days interest free credit on Purchase Transactions: if your statement period ends on the 20th of each month, you make a purchase with your Card on 1st January and you pay off your statement balances in full in January and February, you will get 50 days interest free credit on your 1st January purchase.
  • We may from time to time offer you a lower promotional interest rate on certain transactions, or Balance Transfers, for a specified period (‘Promotional Rate Transactions’).

Your Repayments

  • You will be personally liable for the amount of all transactions, interest/ minimum finance charges, fees and any applicable Default Charges payable under this agreement.
  • Any amount which takes you over your Credit Limit and/or any arrears shown on your monthly statement must be repaid to us in full immediately.
  • A repayment by you to us will be credited to your Account. However, we reserve the right to withhold authorisation for a transaction on your Account until your repayment has cleared through the banking system.
  • All repayments from you must be made in pounds sterling from a UK bank.
  • Any cheque repayments made to your Account must have your Account number clearly marked on the back of the cheque.

Additional Cardholders

  • If you request, we may issue a Card and Personal Identification Number (PIN) to the person you nominate (‘Additional Cardholder’).You must make sure that the Additional Cardholder has consented to you giving us their details and is at least 18 years old.
  • All transactions carried out by the Additional Cardholder will appear on your statement, will be included in your outstanding balance and you are responsible for repayment of all transactions. You must make sure that the Additional Cardholder uses their Card in accordance with these terms and conditions.

Using Your Account

  • When we have opened your Account, we will send you and any Additional Cardholder a Card and PIN. The Card may only be used by the person whose name is on the Card. You may not use the Card until you have activated it by contacting us. The Card may be replaced from time to time with either the same type of Card or a different Card, which will be covered by the terms of this agreement.
  • The Card may be used for: a) Purchase Transactions and/or b) Cash Transactions.
  • We may send you our Cheques, which can only be used by you. You may only make Cheque Transactions in sterling and must not use one of our Cheques to make a payment to us. If you do not want to receive Cheques, please notify us by writing to: Vanquis Card, Customer Service, P.O Box 399, CHATHAM ME44WQ, or by calling 0870 850 7755.
  • You must only use your Card within the ‘valid from’ and ‘expires end’ date on the Card.
  • You must not use your Card or our Cheques in a way that would take your Account balance over your Credit Limit. If you use your Card or our Cheques for Cash Transactions, you must not make withdrawals that are over your Cash Limit or Daily Cash Withdrawal Limit.
  • You cannot use our Cheques in places where a cheque guarantee card is required. Your Card is not a cheque guarantee card.
  • Cards and Vanquis Cheques belong to us. If we ask you to return them to us, you must do so immediately. We can also ask a merchant (e.g. a shop or petrol station) to keep your Card and return it to us.
  • When deciding whether to allow a transaction to be processed, we may take into account any transactions that have already been made or authorised on your Account and any other fees or Default Charges payable under this agreement.
  • You should not make payments that put your Account into credit. If you do so, we will not pay any interest.

Restricting Use of Your Account

  • If you are in breach of this agreement or we have valid reasons for doing so (e.g. we suspect fraud) or the Repayment Option Plan has been activated by you, we may: refuse to authorise a transaction; cancel or suspend use of your Card; refuse to replace your Card or; return an Account Cheque unpaid.

Statements

  • We will normally send you a monthly statement. Your statement will contain details of transactions, payments, refunds, interest/minimum finance charge, fees and any Default Charges applicable to your Account since your last statement.
  • If you do not agree with any item on your statement, you must notify us of the reason for your dispute within 30 days. If the transaction you are disputing is a valid transaction, you will incur a £5 fee for each transaction you are asking us to investigate. We may change this fee by giving you at least 30 days notice.

Looking After Your Card and PIN

You and any Additional Cardholder must:

  • sign the issued Card(s) immediately after it has been received;
  • keep the Card(s) secure;
  • memorise your PIN, keep it secret, and destroy the paper slip upon which the PIN has been printed;
  • comply with our reasonable instructions regarding use or change of the PIN (e.g. for security reasons);
  • inform us immediately by telephoning 0800 783 9003 if you suspect that anyone else knows your PIN; and/or
  • inform us immediately by telephoning 0800 783 9003 (or +44 870 8507755 if calling from outside the UK) if you lose your Card or Cheques, or you suspect that they have been stolen. You must confirm this notification to us in writing within 7 days to: Vanquis Card, Customer Service, P.O.Box 399, CHATHAM ME4 4WQ.

Your Liability

You will not be liable for any unauthorised use of your Account by anyone other than you or an Additional Cardholder unless: you or an Additional Cardholder has allowed someone else to use your Card(s), PIN and/or Cheques for specific transactions or where you or an Additional Cardholder has been fraudulent; in which case you will be liable for all our losses.

Limitations

  • We will not be liable to you if we cannot carry out our responsibilities under this agreement due to reasons outside our reasonable control e.g. due to fire, flood, strike action or electronic failure.
  • We will not be liable to you for any refusal or delay by any person to accept your Card, PIN or Cheque.
  • We will not be liable to you for any loss of profit or reputation.

Closing Your Account

  • You may close your Account at any time by writing to us at: Vanquis Card, Customer Service, P.O. Box 399, CHATHAM, ME4 4WQ or by telephoning 0870 850 7755.
  • We may close your Account for any reason by giving you at least 30 days written notice.
  • As long as we give you the notice required by law, we can close your Account if you are in breach of this agreement.
  • This agreement will only formally end when:
  1. you have paid all amounts you owe to us under this agreement, including the amount of any recent transactions; and
  2. you and any Additional Cardholder have returned to us all Cards and Cheques cut in two to the address above.
  • If your Account is in credit at the time of closure, we reserve the right not to repay to you any amount less than £5 due to administrative costs.

Early Termination and Repayment

As long as we give you (or your representative) the notice required by law, we can ask you (or your representative) to repay all amounts you owe under this agreement if you:

  • make any false or misleading statement in your application;
  • breach the terms of this agreement;
  • have a bankruptcy or receiving order made against you; and/or
  • die.

Notices

You or the Additional Cardholder must let us know immediately if:

  • your or their Card or Cheques become lost or stolen;
  • your or their PIN is likely to be misused or has been disclosed;
  • your statement includes any information that seems wrong;
  • you change your name or address; and/or
  • you want to end this agreement.

It is also important to tell us of any changes to your financial circumstances. You can notify us by writing to: Vanquis Card, Customer Service,P.O Box 399, CHATHAM ME4 4WQ or by telephoning 0870 850 7755.

General

  • We may change these terms and conditions, or introduce any other related term to this agreement:
  1. if the change is in your favour;
  2. to amend an error;
  3. to make them easier for you to understand;
  4. if your product changes, or we introduce new services or features to your Account;
  5. to reflect changes in market conditions such as system capabilities, technological, fraud prevention requirements and/ or payment methods;
  6. due to good banking practice(s);
  7. if the law or a code of practice changes or is likely to change; and/or
  8. any other valid reason.

We will provide you with at least 30 days written notice before any change takes effect (unless the change is in your favour).

  • You may close your account without having to pay any extra charges or interest at any time up to 60 days from the date of our notice if the change is to your disadvantage. A change may become immediately effective if it is to your advantage.
  • You cannot transfer this agreement or your rights or obligations under this agreement. We may transfer this agreement or any of our rights or responsibilities to any company or person who is licensed under the Consumer Credit Act 1974 e.g. if our business was sold to a third party.
  • We may instruct any other person to exercise our rights or carry out our responsibilities under this agreement e.g. we could instruct a debt collection agency to assist in recovering any amounts owed to us.
  • We may waive any of our rights under this agreement without losing them e.g. if we accept a part payment from you, we will still be able to claim the full amount owed by you.
  • We may at our discretion waive any fees or Default Charges.
  • Telephone calls may be monitored and all calls will be recorded for the purpose of quality control, training and/or fraud prevention.
  • Our consumer credit licence number is 532364. We are authorised by the Financial Services Authority to accept deposits under registration number221156. The Financial Services Authority is responsible for the regulation of the financial services industry. Our services are of a banking and credit nature.
  • This agreement is governed by English law and all contractual terms and conditions and information supplied in this agreement are supplied in English. We will communicate with you in English.
  • If you have a complaint about the service you receive, please write to Vanquis Card, Customer Service, P.O Box 399, CHATHAM ME4 4WQ and your complaint will be dealt with in accordance with our Complaints procedure. If we cannot resolve a complaint to your satisfaction you may refer your complaint to the Financial Services Ombudsman at South Quay Plaza, 183 Marsh Wall, London E14 9SR or at www.Financial-Ombudsman.org.uk

Repayment Option Plan

About Repayment Option Plan

  • Repayment Option Plan (the ‘Plan’) allows you to a) freeze your Account balance for up to 24 months in the event of a difficult financial circumstance; and/or b) take a payment holiday up to once every six months.
  • You will be eligible to enrol in the Plan after your Account has been opened.
  • You can enrol in the Plan by either requesting the Plan from one of our Account representatives or by calling the Repayment Option Plan helpline on 0870 3899460.
  • The Plan is not insurance and will not pay off your outstanding balance.
  • You will not receive advice or a recommendation from us on the Plan. We may ask some questions to narrow down the selection of the products that we provide details on. You will then need to make your own choice of how you proceed.

Cost of enrolment

  1. Full Plan: If you are employed (including full time employment, part time employment, temporary employment and self employment), the cost of the Plan will be charged at the rate of 79 pence per £100 (0.79% per month) of your monthly outstanding balance (‘Plan Interest’).
  2. Standard Plan: If you are unemployed or retired, the cost of the Plan will be charged at the rate of 69 pence per £100 (0.69% per month) of your monthly outstanding balance (‘Plan Interest’).
  • The Plan Interest will be billed directly to your Account each month.

Activating Repayment Option Plan

Freeze your Account
  • If you experience a difficult financial circumstance (detailed in this section), the Plan enables you to freeze your Account for up to 24 months.
  • During this time, you will not be obliged to make any repayments or pay any charges, and you will not be able to use your Vanquis card or Account.
  • You can freeze your repayment obligations for as long as any of the events (detailed in this section) apply, up to a maximum period of 24 months per event (or series of connected events).
  • Once your Account is frozen, no interest or fees will accrue and there is no need to make monthly repayments over the period the Account is frozen.
  • After any of the events listed below cease to apply or after 24 months (which ever is sooner), interest will accrue again and you will be obliged to continue your repayments and pay any applicable fees and charges.
  • You can freeze your Account without incurring additional Interest or needing to make monthly repayments over the period in the event that a) you experience one or more of the events stated below; b) you contact Customer Service; and c) you provide us with reasonable evidence of the relevant event.

The events under which you can freeze your Account are:

Full Plan:

  1. you become unemployed involuntarily (other than as a result of your own misconduct);
  2. you become sick, disabled or have an accident which affects your ability to make your repayments;
  3. you take leave from work to care for a partner (who you have lived with for more than 6 months) or a member of your immediate family (sibling, parent, spouse or child) and suffer loss of income;
  4. you have to stay in hospital because of a medical condition;
  5. you have to attend jury service;
  6. your main home is significantly damaged by a natural disaster e.g. flooding; or
  7. your partner (who you have lived with for more than 6 months) or an immediate family member (sibling, parent, spouse or child) dies.

Standard Plan:

  1. you become sick, disabled or have an accident which affects your ability to make your repayments;
  2. you have to stay in hospital because of a medical condition;
  3. you have to attend jury service;
  4. your main home is significantly damaged by a natural disaster e.g. flooding; or
  5. your partner (who you have lived with for more than 6 months) or an immediate family member (sibling, parent, spouse or child) dies.

Payment Holiday

  • As long as your Account has been open for at least 6 months and is in order; and you give us at least 7 days notice, you can miss your monthly payment up to once every six months. However, please note that Interest will still accrue on your Account.
  • You can take a payment holiday for one month without any additional cost at any time, providing a) your Vanquis Account has been open for at least 6 months, b) your Account is in order, and c) you have not taken a payment holiday within the last 6 months.
  • If you need to freeze your Account, or want to take a payment holiday, you need to call the Plan helpline on 0870 389 9460 between 9am and 5:30pm Monday to Friday.

Cancelling / Changing the Plan

  • You must notify us by calling 0870 389 9460 if your financial circumstances change after taking up the Plan (e.g. you become retired), so that we can make sure that you are on the right Plan.
  • You can cancel the Plan up to 14 days after receiving the information on the Plan, and receive a full refund of any Plan Interest provided that the Plan has not been activated. After this, you can cancel the Plan at any time by calling 0870 389 9460 or writing to Customer Service, PO Box 399,Chatham ME44WQ.
  • We may cancel the Plan by giving you 30 days written notice or immediately if we have proof of fraud in relation to the Plan.
  • The Plan will continue until a) your Vanquis card is cancelled by you or us; b) the Plan is cancelled by you or us; c) you die; or d) the event which activated the Plan no longer applies e.g. you are no longer unemployed (whichever happens first).
  • The Plan is provided by Vanquis Bank Limited. Vanquis Bank may be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered number 2559509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority (Ref:221156) and CCA Licence number 532364.

Your Personal Information

  • We will process, by computer or otherwise, personal information about you whilst we are assessing your application and/or managing your Account (‘Your Information’). We may have obtained Your Information from: you; credit reference agencies; fraud prevention agencies; other Provident Financial group companies; or marketing lists provided to us by other third parties.
  • We may search your credit record at credit reference agencies in relation to your application or for managing your Account, and they will supply us with credit and/or identification information. Details of our search will be added to their records whether or not your application is successful. Credit and identification information about you and those with whom you are financially linked, which is provided to us and credit reference agencies, may be used by us and other companies to make credit decisions about you and other members of your household. Any of this information may also be used for identification purposes, debt tracing and prevention of money laundering, as well as the management of your Account.
  • When assessing your application, we may use credit scoring or other automated decision making facilities.
  • We will, on a regular monthly basis, provide details of the performance of your Account to credit reference agencies. This information may be used by other companies to make decisions about credit and credit-related services for you and other members of your household.
  • If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
  • Law enforcement agencies may access and use this information.
  • We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
  1. Checking details on applications for credit and credit related or other facilities
  2. Managing credit and credit related accounts or facilities
  3. Recovering debt
  4. Checking details on proposals and claims for all types of insurance
  5. Checking details of job applicants and employees
  • Please contact us at Vanquis Card, Department DF, P.O. Box 408,Chatham, ME4 4GG if you want to receive details of the relevant fraud prevention agencies.
  • We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
  • For the purposes of managing your Account, credit assessment and analysis, Your Information may be shared within the Provident Financial group and outside the group to:
  1. our agents, processors and sub contractors;
  2. any of our approved suppliers;
  3. the police, if required by law; and/or
  4. any relevant regulatory authority, if required by law.
  • If you require details of the Provident Financial group companies or the credit reference agencies we use, please contact us at Vanquis Card, Department DF, P.O. Box 408, Chatham, ME4 4GG. You have a legal right to these details.
  • We may contact you by post, telephone, automated dialling, email or mobile text and/or voice messaging service (SMS) about products or services relating to your Account or application.
  • Where you consent, we may send you marketing information or contact you for marketing purposes by post, telephone, automated dialling, email, mobile text and/or voice messaging service (SMS), or other forms of communication.

Where you consent, we may disclose Your Information within the Provident Financial group or to other carefully selected companies for marketing purposes. Any of these companies may then contact you about their products or services.

  • If you do not want Your Information to be used for marketing purposes, please write to our Customer Service department: Vanquis Card, Customer Service,P.O. Box 399, CHATHAM, ME4 4WQ. You have a legal right to prevent Your Information being used for direct marketing purposes.
  • We may process Your Information in countries outside the United Kingdom and European Economic Area (EEA). If so, we will make sure that Your Information receives no less protection than is required in the EEA.
  • We may disclose Your Information to any person or company to whom we propose to transfer our rights and/or responsibilities under this agreement.
  • You have a right to receive a copy of the information we hold about you if you apply to us in writing to: Vanquis Card, Customer Service, P.O. Box399, CHATHAM ME4 4WQ and pay us a £10 fee. You are also entitled to request that any inaccurate information be amended or deleted.

Other Definitions

‘Account’ – the credit card account that we open and maintain in your name;
‘Base Rate’ – means the base lending rate which is set by the Bank of England as quoted in the Financial Times/ Financial Mail from time to time;
‘Balance Transfer’ – means the transfer of all or part of an account balance from another financial institution to your Account;
‘Card’ – means any Visa credit card we issue to you or any additional cardholders under the terms of this agreement and is not a cheque guarantee card;
‘Cash Transaction’ – means (i) the withdrawal of cash from a cash machine, or financial institution, displaying the Visa sign, (ii) purchases of currency and cash related transactions, such as purchases of travelers cheques, money orders and money transfers and (iii) Gambling Transactions;
‘Cheque Transaction’ – means a transaction paid for with a cheque(s) that we may provide to you from time to time on your Account or a transfer of money on your instructions which is charged to your Account, as the case may be;
‘Default Charges’ – Late Payment, Over Limit and/or Return Payment Charges;
‘Gambling Transaction’ – means (i) the use of your Card or your Card number to take part in any form of gambling such as gaming, betting or participating in a lottery and (ii) a transaction where payment is made to an establishment reasonably identified as carrying on a gambling business (where gambling has the meaning set out in (i)) and is charged to your Account, whether or not the transaction itself finances participation in gambling;
‘Margin Rate’ – means the difference between the annual interest rate(s) and the Base Rate;
‘Over Limit’ – where you exceed your Credit Limit;
‘Purchase Transaction’ – means a transaction with a merchant displaying the Visa sign, for goods and/or services paid for with your Card;
‘Application’ – the application form requesting us to open an Account for you on these terms and conditions, which you complete, sign and submit to us.

CCA version code: NP-TA-09 03/08