Credit Guide

Credit scores can have a huge impact on our lives – but often, we don’t have any need to think about them until we get declined for credit. 

Building or rebuilding credit can be lengthy and difficult, but there are actions that you can take to help you along the way. Please read on if you require more information about how credit scores work and how you can improve your credit history. The pages in this section should offer some useful guidance - from insolvency to rebuilding your credit rating after a setback, Vanquis Bank is here to help.†

†The information displayed on these pages does not constitute financial advice. Always do your own research to make sure it is right for your specific circumstances and seek independent advice. We do not accept liability if you rely on any of the information displayed on these pages.

Common Credit Situations & Struggles

Here we discuss the most common situations which can have a negative effect on your credit file and ways to approach them.

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Credit Score - Improve your Credit Rating

Here you can find out what a "credit score" is, how it is calculated and what the lenders look for when considering their applicants.

Find out more

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