Whether you are looking for a new credit card or want to build your credit rating, vanquis offers a range of options that are perfect for people with bad credit. Apply online, using our eligibility checker.
Is Vanquis credit card free?
Our eligibility checker lets you know if you are likely to be accepted for a Vanquis credit card in 60 seconds. This is a soft credit check, meaning it won’t affect your credit score.
How to use the eligibility checker
Once you’ve entered your details, our easy 4-step apply vanquis credit card will tell you if you are eligible for a Vanquis credit card. If you’re, you can then complete an application form and receive a decision from Vanquis within 2 weeks.
How to manage your vanquis credit card
As with any credit card, there are a few things you need to keep in mind before you use your card. These include your credit limit, which is the maximum amount you can borrow with a credit card, and any other fees or charges.
Paying off your balance every month is a great way to build up your credit history. This will mean that you’ll be able to qualify for more credit in the future and avoid interest payments altogether.
If you’re a first-time card holder, the Chrome Credit Card from Vanquis Bank is a good option. It’s designed for those who are battling poor credit ratings and is available with initial credit limits of PS250 to PS1,000. It comes with a representative annual interest rate (APR) of 29.5% (variable) but you can get a higher one depending on your credit rating and circumstances. Plus, it offers 56 days interest-free on new purchases so long as you make your monthly repayments in full each month.