visa card alternative to prepaid card


Worth applying for even if you have bad credit.

You can rebuild your credit history with this card.


Representative Example


34.9% APR representative variable
34.94% p.a. variable on purchase
1,200 credit limit

Capital One
Trent House
Station Street


Vanquis Credit Card Review


vanquis visa credit cards


Representative Example:


Purchase annual interest rate 39.94% (variable).

Amount of credit 1000.

Representative 39.9% APR (variable)


Click on above Vanquis Visa card images

to see what cards they have to offer


This unsecured Visa credit card from Vanquis Bank has become one of the most popular cards in the UK for those people who are applying for a credit card for the first time or who have some previous bad credit history.


Vanquis are a UK company with a UK based call centre. The bank was established in 2002 and is part of the Provident Financial Group. It has helped over 1 million people who are new to credit or have been turned down for credit in the past.


Who can apply?


Anyone over 18 who is a UK resident.


Even if you've been turned down for credit in the past it is still worth applying.


The application process takes just a few minutes. Make sure to have all your personal,

work and financial details at hand.


It may take up to 2 weeks to get a decision on whether or not you have been successful.


What is your credit limit?


Credit limits start from between 150 and 1000 rising up to a potential 3000.


Where can I use my card?


You can use your credit card anywhere you see the Visa sign whether it is online, on the

phone or at a point of sale terminal in a shop.


How do I manage and make payments into my account?


Your Vanquis Visa credit card account can be managed using a variety of methods.


You can now access your account directly by using the Vanquis online site (eVanquis) where you can make payments to your account using a debit card and also view your transactions, account balance and statements.


To check your balance you can also call Vanquis 24 hours a day, seven days a week.

You will also receive a paper monthly statement.


You can also make payments into your account by using your own bank's telephone or online banking service and over the counter at a bank or Post Office or by post using a cheque. The Post Office will charge a fee as will a bank if it is not your own.


If paying at a bank, Post Office or by mail then you should use the Giro slip that is attached to your monthly statement.


Other benefits of the Vanquis credit card:


If you have had your card for at least 6 months, have at least a 500 credit limit and have a good payment history then you can add an additional cardholder to your account.


If you pay your account regularly and on time your credit history will automatically be improved. There are also no annual fees.


Our verdict on the Vanquis Visa credit card:


This card is a perfect solution for those looking for a first credit card or those with some previous bad credit history. Credit limits are low and interest rates are high but this is normal for a higher risk credit card. In the long run it will help you build your credit history if you make your repayments on time.


vanquis visa credit card application




See our main UK credit card page for details

of other adverse credit card solutions.






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