Vanquis Card: For People With Poor or Adverse Credit

You’ll enjoy these great benefits with our Vanquis Visa Card:

• Helps you strengthen your credit rating
• A sensible credit limit to help you stay in control
• A friendly UK call centre to give you the support you need
• A simple online application process
• Flexible repayment options
• Convenient shopping online, over the phone and across the world

• typical 39.9% APR
• variable based on a typical credit limit of £250

New to credit or been refused credit?

Is a Vanquis Visa Card for me? View Visa card summary

Helps you strengthen your credit rating

Maybe you're on a low income or retired? Perhaps you've run into difficulties and been left with bad credit? You may simply have no credit history. We assess your personal situation now rather than just turning you away based on the past, then your credit card can help you build your credit rating for the future. So far we've helped over 800,000 people get back on their feet. Why not apply today and join them? Look at ways you can help improve your credit rating.

A sensible credit limit to help you stay in control

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 these criteria does not guarantee you a credit limit increase.

A friendly UK call centre to give you the support you need

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.

A simple online application process

It’s easy to apply, it only takes about 5 minutes to apply for a Vanquis Visa Card. We may be able to give you a quick decision within 1 minute, but we will certainly confirm receipt of your application within 1 minute and the next steps involved.

Flexible repayment options

Life is unpredictable at the best of times. And we fully understand that your circumstances can change. That’s why our credit card gives 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 card. You’ll enjoy 56 days interest-free credit on any purchases that you have made if there is no other balance on the account.  

Convenient shopping online, over the phone and across the world

A Vanquis Visa Card is the simplest way 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.

Card Security

Being secure is a big part of feeling in control. Our tips will help you avoid fraud and identity theft.

Find out more