Getting the Right Credit Card For You

We know there are any many reasons why you might find it difficult to get credit from other companies. You could be self employed. Maybe you’ve never had credit before or you may have been turned down in the past. Perhaps you only work part time or have a low income. You may have a bad credit rating with County Court Judgments (CCJs) on file. Whatever your financial situation, at Vanquis we’ll carefully consider all your circumstances to determine the credit you need and can afford. So if you recognise yourself in any of these illustrations and examples, it’s worth finding out why Vanquis might be the ideal credit card for you! We can’t promise to say “yes” every time, but we can guarantee that we’ll try our best for you, even if you have been refused credit elsewhere.


I've been turned down for a credit card

Find out why some lenders might refuse to offer you credit and how you can improve your chances of getting credit in the future with Vanquis Credit Card.

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I am a discharged bankrupt

Being declared bankrupt or a recently discharged bankrupt has serious implications for your credit score – learn how to change this and how Vanquis might help

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I have previous county court judgments

County Court Judgments or CCJs have a serious impact on your credit history – learn what you can do to repair your credit rating and if Vanquis can help

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I am applying for credit for the first time

Applying for credit for the first time can sometimes lead to rejection as you have no credit history – see how to change this and if Vanquis can help you

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I work part time or have a low income

If you work part time or have a low income, obtaining credit cards can be difficult – see how you can improve your chances and if Vanquis can help you get credit

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I don't have a credit history

Having no previous credit history will be a problem for some lenders – find out what you can do to improve your credit history and how Vanquis can help

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I don't get paid regularly

If you have no regular income, building a credit score for approval by lenders is hard – see how you can improve your chances and if Vanquis can help you get credit

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Build or Rebuild your credit with a Vanquis Credit Card

  • Manageable starting Credit Limit of between £150 and £1,000^.
  • You could get a Credit Limit increase after your 5th statement and further increases every 5 months, up to £4,000*^
  • Exclusively UK based Customer Service.
  • Online account servicing & SMS alerts.

 

To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and make obtaining credit more difficult.

Representative 39.9% APR (variable)

World Vanquis Credit Card with slant mirror effect