Improve your credit rating with a Vanquis credit card
Using your Vanquis credit card responsibly can help people with bad credit to rebuild their credit rating.
Our Credit Builder video offers some straight-forward tips of steps you can take to start building your credit score with a Vanquis credit card.
So far, we have helped over 3.5 million people (correct as of September 2017) get the credit they deserved. Why not apply online 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 credit card?
- 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 credit card
- Use your Vanquis credit card.
- 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 have been left with bad credit or a 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, so we can help find the best credit card for you.
Top features of the Vanquis credit card
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. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months, up to £4,000.
Friendly UK Customer Service call centre
We offer responsible, reliable support whenever you need it. Our UK Customer Service agents are always very happy to listen to your needs and help. You can apply online today and could start building your credit rating right away.
A simple online credit card application process
It's easy to apply for a Vanquis credit card. We may be able to give you a quick decision within 60 seconds, and we will certainly confirm receipt of your online application within 60 seconds and the next steps involved. Apply for a credit card today.
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.