Want to feel on top of your finances? We can help you build your knowledge and confidence around all aspects of your money.
Borrowing money can be an essential part of life for some - but it's important to be armed with all the facts. Here's an overview of some of the more common ways to borrow, how they work and what you might want to think about....
Ever seen the terms ‘soft’ or ‘hard’ credit check and wondered what they really mean? In this guide, we explain how they work, what makes them different and how they can affect your credit score....
Missing a payment or paying late can impact your credit score - even if it just happens once. Here, we explain the difference between the two and what you can do to stay on track with your repayments....
If you fall behind on debt and it goes to court, you could be issued with a County Court Judgment (CCJ). In this guide, we explain what a CCJ is, how to check if you have one and what you can do to deal with it....
An Individual Voluntary Arrangement (IVA) is a formal agreement to help you repay debt in a manageable way. Here’s an overview of how IVAs work, who they’re suitable for and what to consider before going ahead - plus the pros, cons and alternatives....
In this guide, we share practical tips to help trim your household costs - whether it’s your food shop, utility bills or monthly subscriptions - without feeling like you’re missing out....
Not sure which card to use? This handy guide breaks down how credit and debit cards work, when each one might be the better option and what to watch out for when it comes to fees, interest and your credit score....
If you have a good credit score, an instant decision credit card gives you a quick idea of whether you’re likely to be accepted. Here’s an overview of the process and how they could help....
With a balance transfer credit card, you can move debt from one card to another. We explain how balance transfer cards work, the pros and cons, what fees to watch out for and whether it could be the right move for you....
If you’ve got a limited or poor credit history - or you’re new to the UK - a credit building card could help you get started. This guide explains everything about credit building cards, who they’re for and how to get the most from them....
If you’ve ever wondered what all the numbers and codes on your credit card mean, this guide breaks it down for you. Plus, there are tips on how to keep your card details secure and avoid fraud....
We explain what a credit limit is, how it's set, what happens if you go over it and how you can adjust it. Whether you're looking to increase your credit limit or simply manage your spending, here’s all the important info....
Our useful guide explains how an APR works, the difference between APRs and interest rates and how to compare offers. Plus, we cover the different types of APRs - like variable and fixed rates - so you can make informed decisions before applying for credit....
Vanquis Bank Limited is registered in England & Wales with company number 02558509, with its registered office at No. 1 Godwin Street, Bradford, West Yorkshire, United Kingdom, BD1 2SU. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered in the Financial Services Register under number 221156. Credit is subject to status, affordability, and credit checks. Credit is only available to UK residents aged 18 and over. Terms and conditions apply.
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