Vanquis Credit Card Review
Vanquis Credit Card Review
Have you had a credit card application declined in the past for any of the following reasons: because you're new to credit, have a history of bad credit, a bad credit rating (including CCJ's), you're on a low income, work part time or are self employed? 'Vanquis understands these individual circumstances and could offer a solution if you find yourself in this type of situation.
Vanquis credit cards have helped over 1 million people that are suffering from bad credit and need a credit card so they understand the situation you are in. A Vanquis Visa Card could help you make your financial situation and offers flexibility and convenience. You can make a Vanquis Visa credit card application in about 5 minutes and within 1 minute they will give you a response.
Who can apply for a Vanquis credit card?
The Vanquis credit card is a Visa branded card anyone over the age of 18 years can apply for a vanquis card, We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.
The Vanquis credit card online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions. A credit check is completed to confirm your credit rating, even if you have bad credit you can still be accepted.
What benefits do you get with your Vanquis Credit Card?
There is a repayment plan available from vanquis bank, plus they set your credit limit based on your current circumstances to help you stay in control of your finances. if your circumstances do change then inform them as soon as possible so they can work with you rather than hassling you on the phone when payments are late.
What are the default charges?
There is a default charge this is a minimum of £12.00 for a late payment or any payments you made that have been returned.
What is the minimum payment each month?
The minimum payment is £5.00 or 5% of the outstanding balance which ever is the greater amount. If you only make the minimum payment it will take longer and cost you more to clear your credit card balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.
What is the Vanquis credit card APR rates?
The vanquis credit card is aimed at people who have bad credit or ccj's due to this Vanquis charge a higher apr rate due to the risk involved. Please note that if you have a good credit rating then you may want to try one of the other credit cards available at lower arp rates.
Where do I make a complaint?
If you would like to make a complaint about your Vanquis credit card, please write to them at Vanquis Card Customer Services PO Box 399, Chatham, ME4 4WQ. They have procedures in place which will make sure they handle your complaint fairly and quickly. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.