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Vanquis credit card FAQ's - Vanquis


About Soft Credit Searches

What is a ‘soft credit search’?

A ‘soft credit search’ allows lenders to check your eligibility for credit without affecting your credit scores. Vanquis uses a ‘soft credit search’ along with its credit scoring methods to check your eligibility and tell you whether your application for a Vanquis Visa credit card would be successful before you apply.

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

Once you submit the ‘soft credit search’ form we will carry out some necessary checks and give you a response in 60 seconds. There is a chance that we may not be able to open your credit account if (a) we are unable to successfully complete affordability, fraud and money laundering checks or our Welcome Call (this is the telephone call we need to make to you to complete the application process); (b) if you change any of your information provided to us; and (c) in some cases we may also require Direct Debit details. Also remember that credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.

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