Vanquis Credit Card

The Vanquis Lime Credit Card

creditcard — Mon, 28 Feb 2011 18:33:58 +0000

The Vanquis Lime Credit Card

No annual fee.
Credit limit assigned at a fixed amount to help you stay in control.
Up to 56 days interest free on purchases.
Free additional cardholder.
Friendly UK Customer Service call centres.

Representative 39.9% APR (variable)

Feel the sense of calm and peace that the Lime Credit Card can give you. We have a friendly UK Customer Service call centre to give you the support you need, and we’ll arrange for a sensible credit limit to help you build your credit rating.

We are experts in helping people with bad credit or poor credit history, so apply for a Lime Card today and join over 1 million people we’ve already helped to get the credit they deserve.

If you don’t yet have a Vanquis Credit Card, why not apply now and choose your own personal style?

The Vanquis Cherry Credit Card

creditcard — Mon, 28 Feb 2011 18:30:11 +0000

The Vanquis Cherry Credit Card

No annual fee.
Credit limit assigned at a fixed amount to help you stay in control.
Up to 56 days interest free on purchases.
Free additional cardholder.
Friendly UK Customer Service call centres.

Representative 39.9% APR (variable)

Feel the sense of calm and peace that the Cherry Credit Card can give you. We have a friendly UK Customer Service call centre to give you the support you need, and we’ll arrange for a sensible credit limit to help you build your credit rating.

We are experts in helping people with bad credit or poor credit history, so apply for a Cherry Card today and join over 1 million people we’ve already helped to get the credit they deserve.

If you don’t yet have a Vanquis Credit Card, why not apply now and choose your own personal style?

The Vanquis Blueberry Credit Card

creditcard — Mon, 28 Feb 2011 18:26:50 +0000

The Vanquis Blueberry Credit Card

No annual fee.
Credit limit assigned at a fixed amount to help you stay in control.
Up to 56 days interest free on purchases.
Free additional cardholder.
Friendly UK Customer Service call centres.

Representative 39.9% APR (variable)

Feel the sense of calm and peace that the Blueberry Credit Card can give you. We have a friendly UK Customer Service call centre to give you the support you need, and we’ll arrange for a sensible credit limit to help you build your credit rating.

We are experts in helping people with bad credit or poor credit history, so apply for a Blueberry Card today and join over 1 million people we’ve already helped to get the credit they deserve.

If you don’t yet have a Vanquis Credit Card, why not apply now and choose your own personal style?

Choose your vanquis credit card design

creditcard — Mon, 28 Feb 2011 18:21:32 +0000

Choose your vanquis credit card design

Once you’ve decided that a Vanquis Credit Card is right for you, there’s another choice to make – the colour. Our personalised credit cards come in six fabulous designs, so you can pick the one that suits your style. When you use your Visa card, a Vanquis personalised credit card will really make a statement.

When you apply for your new Visa credit card you can choose from our three exciting colours; Blueberry, Cherry and Lime. Or if you really like to stand out from the crowd, choose one of our limited edition cards, in either Silver, St. George’s flag or the Union flag design.

All our credit card designs look great and come with a host of great benefits including no annual fee, up to 56 days interest free credit on purchases and a credit limit assigned to help you stay in control.

Managing your vanquis credit card account

creditcard — Mon, 28 Feb 2011 18:17:27 +0000

Managing your vanquis credit card account

Can I manage my account online?

Yes, you can now manage your account online via our secure online service called eVanquis. Once you have registered for this service, you will be able to view your account balance, access your statements and pay your credit card bill.

What should I do if I have any questions about my account?

As a Vanquis Card customer you have access 24 hours a day to Vanquis QuickCall for balance and credit limit information, or if you prefer to speak to someone you can call Customer Services. Both services are available on 0871 770 5555. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

What’s my right to cancel?

Once you have applied, you can withdraw your application by sending WRITTEN notice of cancellation to: Vanquis Card, Customer Services, P.O. Box 399, Chatham ME4 4WQ. Once your application is accepted you will have a further short time to cancel the agreement. Again you can do this by WRITTEN notice sent to the address above.

Can I add an additional card holder to my account?

Yes, you can apply to add an additional card holder if your account has been open for at least 6 months, you have a credit limit of at least £500 and your account has been well maintained. If you would like to apply, please call Customer Services on 0871 770 5555 and request an additional card holder form. Once you have completed and returned the form, we will be able to confirm if your application has been successful. (Calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary.)

What if my balance gets too high?

It is important that you contact us as soon as you find you may have difficulty meeting your minimum payment.

It is important to check your statement each month and ensure you can meet at least the minimum payment on your outstanding balance. Wherever possible you should try to pay more than the minimum payment.

Why might my interest rate change?

When you borrow money on a credit card, the credit is‘unsecured’ because it’s not linked to your property; and ‘open ended’ because the account is not set to last for a specific length of time. This means that we face more risk than other types of credit product, such as personal loans and mortgages. Also, your financial circumstances can change over time, which means there may be a higher risk that you will not be able to pay back the money you have borrowed.

Changing the interest rate allows us to respond to expected changes in the economy; the cost of providing credit; and your financial circumstances.

If we didn’t adjust interest rates in this way, we might have to take your card away, or you may have to pay new charges.

How often do you change my interest rate?

We will not increase your interest rate within the first year when it is linked to risk-based re-pricing. This means your interest rate would only increase within the first year because of changes, for example, in the economy.

We will not increase your interest rate more than once every six months.

When we tell you about an increase in your interest rate, we will explain in clear language how it is changing, what it will cost and the options available to you.

If you ask, we will give you information on how and why we have changed your interest rate.

Can I keep my interest rate on its current rate and pay off my debt to you?

We will write to you to tell you about an increase in your interest rate, if you are unhappy with the interest rate we move you to, you must contact us within 60 days of the letter telling you about the rate increase and inform us you wish to close your account. You will then be able to clear your outstanding balance at your current Interest Rate, after which your account will be closed.

Paying your bills with your vanquis credit card

creditcard — Mon, 28 Feb 2011 18:14:36 +0000

Paying your bills with your vanquis credit card

How does the Vanquis Card help me build my credit rating?

Making repayments on time builds a strong credit rating, and the longer you do this the better your rating will be.

How can I make a payment to my account?

Over the Phone or Online:
Via your bank’s telephone or internet banking service, you can make a one off payment or set up a standing order. Simply quote the following details: (1) Our sort code: 60-95-94, (2) Our bank account number: 0000 0001 and (3) Your Vanquis 16 digit card account number. Please allow 3-5 working days for your payment to reach your account via this method.

Phone Vanquis on 0871 770 5555, you can make a one off payment with a Debit Card or set up a Direct Debit for regular payments. Lines are open between 8am to 8pm Monday to Friday and 9am to 5.30pm on Saturday (calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary). Please allow at least 2-3 working days for your payment to reach your account via this method.

Via vanquis.co.uk:
You can pay by Debit Card, simply click on the “pay my card” button on the Vanquis website, which will take you to our ‘payvanquis’ website, then click on “Register Debit Card” and follow the online instructions. If you have any problems registering, then please contact 0871 770 5555 (calls to 0871 numbers will be charged at 7p per minute from a BT landline; calls from mobiles and other networks may vary), between 8am and 8pm Monday to Friday or between 9am and 5.30pm Saturday, and speak to an agent to register your Debit Card. Please allow 3-5 working days for your payment to reach your account.

Via eVanquis:
Once you are registered, you can pay via our secure online service, eVanquis. Not only will this allow you to pay your credit card bill but will also allow you to manage your account online – viewing your account balance and accessing your statements.

Over the Counter:
Over the counter at your Bank or Post Office, using your pre-printed giro (found at the bottom of your monthly statement). Please note that the Post Office will charge a fee. If the bank you pay through is not your own bank you may also be charged a fee. Please allow 5 working days for your payment to reach your account via this method. Please note that cheque payments made over the post office counter can, in some instances, take up to 20 working days to clear.

Please remember to always make your payments in good time to make sure they reach your account by the Due Date. We recommend you pay early to avoid possible late charges and maintain your credit record.

By Post:
By posting a cheque, together with your pre-printed giro (found at the bottom of your monthly statement) in one of our pre-paid envelopes. Please make cheques payable to ‘Vanquis Bank’ followed by your Vanquis Visa Card account number. Write your name and Vanquis Visa Card account number on the back of the cheque. Please note, we normally recommend allowing 10 working days for your payment to reach your account via this method.

When I make a payment what gets paid off first?

Where your repayment is not sufficient to pay off the whole of the balance outstanding on your Account, your repayment will be allocated initially to paying off fees, charges and interest/minimum finance charge on your statement and then to the debt bearing the highest interest rate.

What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

Illustrative example	For a purchase of £250 on your credit card
Monthly Payment	Minimum Payment each month	£50 each month
Without taking into account any introductory rates, how much interest will you be charged in the first year?	£79	£27
How much interest will you be charged in the second year?	£66	£0
How long would it take to clear the balance?	7 years, 3 months	6 months
The above example assumes the following: The transaction takes place on 1st January and you make no further transactions. Your statement is produced on the 1st of each month and you always make the payment each month on the 15th. Your statement is produced 31 days after you make the purchase. How often do I have to make a payment and how will I know how much to pay? We will send you a statement or notify you that your statement is available to view each month. We will tell you on your statement the minimum amount you have to pay. You must pay at least the minimum amount each month by the due date on your statement. For ways to make additional payments through the month: Over the Phone or Online: Via your bank’s telephone or internet banking service, you can make a one off payment or set up a standing order. Simply quote the following details: (1) Our sort code: 60-95-94, (2) Our bank account number: 0000 0001 and (3) Your Vanquis 16 digit card account number. Please allow 3-5 working days for your payment to reach your account via this method. or Phone Vanquis on 0871 770 5555, you can make a one off payment with a Debit Card or set up a Direct Debit for regular payments. Lines are open between 8am to 8pm Monday to Friday and 9am to 5.30pm on Saturday (calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary). Please allow at least 2-3 working days for your payment to reach your account via this method. Via vanquis.co.uk: You can pay by Debit Card, simply click on the “pay my card” button on the Vanquis website, which will take you to our ‘payvanquis’ website, then click on “Register Debit Card” and follow the online instructions. If you have any problems registering, then please contact 0871 770 5555 (calls to 0871 numbers will be charged at 7p per minute from a BT landline; calls from mobiles and other networks may vary), between 8am and 8pm Monday to Friday or between 9am and 5.30pm Saturday, and speak to an agent to register your Debit Card. Please allow 3-5 working days for your payment to reach your account. Via eVanquis: Once you are registered, you can pay via our secure online service, eVanquis. Not only will this allow you to pay your credit card bill but will also allow you to manage your account online – viewing your account balance and accessing your statements. Over the Counter: Over the counter at your Bank or Post Office, using your pre-printed giro (found at the bottom of your monthly statement). Please note that the Post Office will charge a fee. If the bank you pay through is not your own bank you may also be charged a fee. Please allow 5 working days for your payment to reach your account via this method. Please note that cheque payments made over the post office counter can, in some instances, take up to 20 working days to clear. Please remember to always make your payments in good time to make sure they reach your account by the Due Date. We recommend you pay early to avoid possible late charges and maintain your credit record. By Post: By posting a cheque, together with your pre-printed giro (found at the bottom of your monthly statement) in one of our pre-paid envelopes. Please make cheques payable to ‘Vanquis Bank’ followed by your Vanquis Visa Card account number. Write your name and Vanquis Visa Card account number on the back of the cheque. Please note, we normally recommend allowing 10 working days for your payment to reach your account via this method. What happens if I don’t pay? If you are late with your minimum payment or fail to make your minimum payment, we will charge you a late payment charge of £12. We will contact you to talk to you about your account and any impact this may have on future minimum payments. Missing payments could have severe consequences and make obtaining credit more difficult. What should I do if I’m having trouble paying my bill? We’re always here to help you, and that includes any concerns you have about paying your bill. Call us on 0871 770 5555 and we’ll see what we can do to help. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

Using your vanquis credit card

creditcard — Mon, 28 Feb 2011 18:07:25 +0000

Using your vanquis credit card

Where can I use my Vanquis Visa Card?

Anywhere you see the Visa sign both in the UK and abroad, and online.

How will I keep track of my spending?

We’ll send you a Monthly Statement listing the date and place of each purchase you’ve made, cash you’ve withdrawn, plus the repayments we’ve received from you. And you can always phone Vanquis QuickCall on 0871 770 5555 to check your account 24 hours a day, seven days a week. (Please note that calls to 0871 numbers will be charged at 7p per minute from a BT landline. Calls from mobiles and other networks may vary).

What will my credit limit be?

When we review your application we’ll take into consideration your circumstances and provide you with a credit limit we think you can manage. If we set your limit higher than you would like we’ll lower it for you. Over time we will review your account, and may offer you a credit limit increase if your account is well managed.

Can I increase my credit limit?

As a responsible lender, Vanquis Bank will seek to provide you with a credit limit that reflects your needs and your ability to manage your account. To be considered for a credit limit increase, you should make use of your credit limit without going overlimit and make your payments on time. By using your credit limit and keeping your account in order, you demonstrate to us that you can manage your account well and can handle the monthly repayments.

Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don’t take on too much debt elsewhere. Please remember this is just a guide and meeting this criteria does not guarantee you a credit limit increase.

How do I find out why you turned me down for a vanquis credit card?

creditcard — Mon, 28 Feb 2011 18:05:15 +0000

How do I find out why you turned me down for a vanquis credit card?

As a responsible lender, we take into account your personal circumstances to establish the appropriate level of credit to grant you. To help us do this, applications may be assessed using a process called credit scoring which assesses credit stability and ability to pay. Credit scoring produces consistent decisions and is designed to ensure all applicants are treated fairly.

From the information we have obtained and the way this information is used in our credit scoring system, we are unable to accept you for a Vanquis Visa Card.

If you would like us to reconsider our decision, you can write to us at New Accounts Department, P.O. Box 399, Chatham, Kent, ME4 4WQ and provide us with any additional information that you consider relevant. You have the right under the Data Protection Act 1998 and Consumer Credit Act 1974 to see information held about you.

How long will it take between applying for a Vanquis Visa Credit Card and receiving one?

creditcard — Mon, 28 Feb 2011 18:04:06 +0000

How long will it take between applying for a Vanquis Visa Credit Card and receiving one?

It usually takes between 10-14 days from you submitting your application, but if we need to contact you for more information it could take longer.

What if I change my mind? Can I cancel my vanquis credit card and long do I have to do that?

creditcard — Mon, 28 Feb 2011 18:01:41 +0000

What if I change my mind? Can I cancel my vanquis credit card and long do I have to do that?

After applying and receiving your credit limit, if you change your mind, you have 14 days to cancel the card. You will have to repay us any credit and interest outstanding on your balance. Please refer to your terms and conditions for more information on how you do this.

At any time, you can ask to close your account. To do so you must repay us any credit, interest and unpaid fees and charges outstanding on your account.

Vanquis Credit Card

The Vanquis Lime Credit Card

The Vanquis Lime Credit Card

The Vanquis Cherry Credit Card

The Vanquis Cherry Credit Card

The Vanquis Blueberry Credit Card

The Vanquis Blueberry Credit Card

Choose your vanquis credit card design

Choose your vanquis credit card design

Managing your vanquis credit card account

Can I manage my account online?

What should I do if I have any questions about my account?

What’s my right to cancel?

Can I add an additional card holder to my account?

What if my balance gets too high?

Why might my interest rate change?

How often do you change my interest rate?

Can I keep my interest rate on its current rate and pay off my debt to you?

Paying your bills with your vanquis credit card

How does the Vanquis Card help me build my credit rating?

How can I make a payment to my account?

When I make a payment what gets paid off first?

What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

How often do I have to make a payment and how will I know how much to pay?

What happens if I don’t pay?

What should I do if I’m having trouble paying my bill?

Using your vanquis credit card

Where can I use my Vanquis Visa Card?

How will I keep track of my spending?

What will my credit limit be?

Can I increase my credit limit?

How do I find out why you turned me down for a vanquis credit card?

How do I find out why you turned me down for a vanquis credit card?

How long will it take between applying for a Vanquis Visa Credit Card and receiving one?

How long will it take between applying for a Vanquis Visa Credit Card and receiving one?

What if I change my mind? Can I cancel my vanquis credit card and long do I have to do that?

What if I change my mind? Can I cancel my vanquis credit card and long do I have to do that?