Vanquis Credit Card FAQ

Find answers to the most popular questions about borrowing with a credit card in general and owning a Vanquis Credit Card. 

If you have taken out a Vanquis card or have a credit account through one of our partners, please go directly to their site for FAQs specific to your product.


Borrowing with a Credit Card

Is a credit card suitable for me?

What does a credit card do?

How long do I have access to the credit?

How much will you lend to me?

Why do you have more than one interest rate on my account?

How much will it cost me?

What is Repayment Option Plan?

 

Your application

I've been turned down before, will that affect your decision?

How can I apply?

Will I be charged for applying for a Vanquis Visa Card?

How long will it take to get a response?

How do you work out my interest rate?

What happens if I'm accepted?

What if I change my mind? Can I cancel my credit card and how long do I have to do that?

How long will it take between applying for a Vanquis Visa Card and receiving one?

How do I find out why you turned me down for a card?

 

About Soft Credit Searches

What is a ‘soft credit search’?

If the soft credit search reveals that I can apply for a Vanquis Visa Credit Card, does that mean I will definitely be approved?

 

Using your card

Where can I use my Vanquis Visa Card?

How will I keep track of my spending?

What will my credit limit be?

Can I increase my credit limit?

Can I withdraw cash on my Vanquis Visa Card?

Can I use my Vanquis Visa Card abroad?

What are the charges for using my Vanquis Visa Card abroad?

What are the Exchange Rates for using my Vanquis Visa Card abroad?

 

Contactless

What is Contactless?

How does it work?

Where can I use it?

Can I use my new contactless card immediately?

What are the benefits?

Is contactless secure?

Do I have to pay with contactless?

Is there a daily limit when using contactless?

If I have more than one contactless card will the wrong card be charged?

Can I be charged twice if I have more than one contactless card?

Is it possible to pay by contactless by mistake?

If my Vanquis Credit Card is lost or stolen can it be used for contactless transactions?

 

Paying your bills

How does the Vanquis Visa Card help me build my credit rating?

How can I make a payment to my account?

What is a Continuous Payment Authority and how do I set one up?

When I make a payment what gets paid off first?

What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

How often do I have to make a payment and how will I know how much to pay?

What happens if I don't pay?

What should I do if I'm having trouble paying my bill?

 

Managing your account

Can I manage my account online?

What should I do if I have any questions about my account?

What's my right to withdraw?

Can I add an additional cardholder to my account?

What if my balance gets too high?

Why might my interest rates change?

How often do you change my interest rate?

Can I keep my interest rates on their current rates and pay off my debt to you?

How can I receive my statements in Large Print, Audio or Braille?

What do I need to do following the death of an account holder?

How can I get a PIN reminder or a new PIN?

How do I report a lost, stolen or damaged card?

Credit card cheques

How do I query a transaction on my account?

 

Money worries and financial difficulties

What should I do if my personal situation has changed and I’m having difficulties making payments?

If I have a disability or medical condition that affects my ability to run the account, what can Vanquis Bank do to help me?

 

Support/feedback

I would like to talk to someone about the credit card before I apply - what number do I call on?

Who can I contact if I am having problems completing my online application?

Do I need any special software to use the site?

My Internet Browser is not showing the site clearly, why is this?

Is the information I give you on this site secure?

What should I do if I have a complaint?

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