Vanquis is one of the UK’s leading ‘credit builder’ credit cards, designed to help people with bad credit rebuild their credit rating. With a low early credit limit and a structured pattern of use, users can gradually increase their credit limits if they demonstrate responsible borrowing habits.
What type of card is Vanquis?
Applying for a vanquis credit card payment is simple and easy to do online via a desktop or mobile application. Depending on your eligibility, you may receive a decision within 60 seconds.
The process is straightforward and you will need to submit a few documents. Once you’ve submitted the details, Vanquis will run a credit reference search and check your identity. If you are accepted, you will then receive a credit card in the post.
How to Manage Your Card
With a Vanquis credit card you have a wide range of options to manage your account online or through the highly rated eVanquis app. These include making payments (using either the full balance, a fixed PS amount or a fixed percentage of the card’s value), checking and paying transactions online and receiving your statement via email.
What’s more, if you are worried about your credit score or don’t have a good credit rating, you can use Vanquis’ eligibility checker to see whether you’re likely to be accepted before you apply. This is a great way to avoid the hassle of an unnecessary hard credit check.
Vanquis is part of the Provident Financial Group, a lender that specialises in credit cards for customers who have a poor or no UK credit history. It offers a range of credit cards under its own name as well as in partnership with other providers such as thimbl.