What is a credit score?
Credit scores are based on your credit history - how much debt you've taken on in the past and how well you've dealt with it. Lenders look at your credit score to decide whether providing you with credit is a safe risk for them to take.
While a poor credit rating can affect your ability to obtain competitive financial products, it's possible to improve your credit rating by borrowing responsibly and paying back on time, as well as fostering other financial habits.
Credit at Vanquis Bank
Whether you've had County Court Judgments (CCJs) awarded against your name, bad credit, or just a poor credit history and want to rebuild your credit score, you don't want the process of applying for a credit card to make your credit rating even worse.
We believe that taking steps to improve your financial situation in a responsible way shouldn't come with potentially negative consequences attached. That's why we have devised an Express Check.
Apply with confidence using Express Check
Simply enter all your relevant information and you'll get a response within 60 seconds - and it won't affect your credit score in any way.
After you have used Express Check to check your eligibility for a Vanquis Credit Card there's no obligation to go on to make a full application for a Vanquis Credit Card, unless you want to, so why not give it a go today?