Improve your credit rating with a Vanquis Visa Classic card
Responsible use of our credit cards can help people with bad credit to rebuild their credit rating. Our Credit Builder video and accompanying infographic provide some easy to understand explanations of what steps to take to improve your credit rating with Vanquis.
So far we have helped over 3.5 million people (correct as of September 2017) get back on their feet. Why not apply today and join them?
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.
Why Vanquis Visa Classic?
- You'll start with an easy to manage credit limit 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.
- A friendly UK Customer Service call centre.
- Online and SMS account management.
5 monthly steps to build your credit rating with a Vanquis Visa
- Use your Vanquis Visa Classic.
- Always stay within your credit limit.
- Pay at least the minimum payment due on time every month. If you can only make the minimum payment each month, it will take you longer and cost you more to clear your balance. To reduce the amount of interest charged, we recommend you pay as much as you can, when you can and not just the minimum payment.
- Keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order.
- Don't take on too much debt elsewhere - you should be able to afford the debt that you have.
A simple online application process
Maybe you're on a low income or retired? Perhaps you've run into difficulties and been left with bad credit or poor credit history?
You may simply have no credit history.
We assess your personal situation now rather than just turning you away based on the past.
And there's more...
A sensible starting credit limit with room to grow
As a new customer, you'll start with an easy to manage credit limit 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.
Friendly UK Customer Service call centre
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 you could start building your credit rating right away.
A simple online credit card application process
It's easy to apply for a Vanquis Visa Classic card. We may be able to give you a quick decision within 60 seconds, and we will certainly confirm receipt of your application within 60 seconds and the next steps involved.
Flexible card repayment options
Life is unpredictable at the best of times. And we fully understand that your circumstances can change. That's why our poor credit credit cards give you the flexibility to budget, in order to pay off what you can afford each month.