Credit Card Help - FAQs

There is no limit on the amount of contactless payments you can make daily in the UK. However you must always have enough Credit Limit available on your card to cover the cost of your purchase and from 1st April the limit on each contactless payment has increased to £45 per transaction.

Contactless cards are designed to make paying for everyday purchases quicker and easier. Over 435,000 retailers accept contactless payments in the UK so paying for coffee, lunch or travel is now faster and less hassle.

Wherever you see the contactless symbol just touch your card against the card reader until you hear a beep or the light turns green. The reader will confirm your transaction is complete.

Over 435,000 retailers accept contactless payments, including retail stores, food outlets and restaurants, wherever you see the contactless symbol. You can pay for travel on Transport for London buses, London Underground, London Trams, DLR, London Overground and some National Rail Services.

With your new card you'll need to complete a Chip and PIN transaction before you can make a contactless payment. This is an extra security step to ensure your card is in your hands and not someone else's.

Contactless is a fast, easy and secure way to pay in seconds and saves you time.

There’s no need to carry cash around or enter your PIN - for extra security we may occasionally ask you to make a Chip & PIN transaction instead. This lets us verify you are the genuine card holder.

Contactless payments are just as secure as Chip and PIN and you are covered against any fraud on your account as you are with Chip and PIN. For extra security you will occasionally be asked to enter your PIN or sign.

No, it's completely up to you how you choose to pay. However, having a contactless Vanquis Visa credit card gives you an additional way to pay for items up to a maximum amount of £45 whenever you see the contactless symbol.

There is no daily limit on contactless payments in the UK. However you must always have enough Credit Limit available on your card to cover the cost of your purchase and from 1st April there is a limit of £45 per transaction.

Your card needs to be in very close contact to the card reader for payment to be made so ensure you separate the card you want to make the payment with before touching the card reader.

You cannot pay for the same purchase on two cards. The card readers have been designed to reject the payment if more than one card comes into range.

Your card needs to be in very close contact to the card reader for payment to be made so there is no chance you can pay by mistake.

If you lose your card or think it might have been stolen please contact us immediately on our Lost & Stolen Line 0800 783 9003.

You are always covered by the same fraud protection and technology as when you use your PIN to make a payment, and for extra security you will occasionally be asked to enter your PIN instead of paying by contactless.