Build your credit with a Vanquis Credit Card

Are you getting frustrated by applying for credit cards only to be rejected? Maybe you have faced financial difficulties that have left you with a poor credit rating? Or perhaps you are simply new to the world of credit and have yet to build a credit history? Whatever the particulars of your individual situation, you can apply for a Vanquis Credit Card with confidence from Vanquis Bank.

Vanquis Visa Card Benefits

  • No annual fee
  • Up to 56 days interest free on purchases
  • Free additional cardholder
  • Free fraud monitoring - we'll warn you of any suspicious activity on your account
  • Chip & PIN technology for added security whenever you use your card
  • Visa is widely accepted in the UK and abroad
  • Convenient for paying online and over the phone
  • Friendly UK call centre
  • Manageable credit limit
  • Friendly & helpful customer support
Vanquis Terms & Conditions

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Will I be accepted for a credit card?

Credit cards can offer cardholders a level of flexibility, convenience and protection that you cannot get with regular cash purchases. When you buy something with a credit card you are essentially borrowing the money from the credit card provider. Every month you receive a statement outlining all the card transactions that you have made and you will be given a certain amount of time to repay the amount. However, with hundreds of credit cards on the market all with differing interest rates and features it can be difficult to know whether a particular card is the right card for you.

Application criteria

Although there are many credit cards available in the UK, there are often strict criteria that must be met before a credit card company will accept an application. One of the most important requirements is an applicant's 'credit score' or 'credit rating'. If you have a good credit history it is much more likely that your credit card application will be successful. The issue for many people, therefore, is how can they improve their credit rating?

Credit score

Regardless of the type of credit you are applying for – be it a credit card or a personal loan – the success of your application will depend on your credit score. Therefore it is crucially important to protect and, if necessary, boost your credit rating when you can.

There are some guidelines you can follow to avoid harming your credit rating such a repaying your credit cards in full first time round in order to avoid being flagged by the credit reference agencies such as Experian and Equifax. Obviously, repaying your credit card is a fundamental necessity since missed payments can result in county court judgements (CCJs) and bankruptcy.

One of the most basic steps you can take to protect your credit score is to ensure that you are on the electoral roll since all credit reference agencies make use of this public information.

Rebuilding your credit rating after financial difficulties is often a difficult task but it can be done. Similarly, if you are new to credit and have no credit rating it is a good idea to start building up a credit history. In both cases, the best option is to get a credit card which will suit your circumstances and is easy to manage. There are many credit cards on the market designed for this very purpose. Just make sure that you stick to the lenders terms, stay within your limits, make your repayments on time and you should be on your way to getting your credit score back on track.

You can read the full version of this guide here or if you are ready to find a credit building card you can compare the latest cards from the UK's leading providers here.

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