Vanquis Credit Repair Card
Rebuild Your Credit Rating
- Start with an easy to manage credit limit between £150 and £1,000
- You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000
- A friendly UK Customer Service call centre
- Online and SMS account management
- Simple online application
Post Office Loans From 3.1% APR
Representative APR (Variable)
21.7%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 30 months
(no fee)
(no fee)
Purchase
0% for 30 months
Representative APR (Variable)
18.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 27 months
(no fee)
(no fee)
Purchase
0% for 3 months
Representative APR (Variable)
9.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
6.9%
(no fee)
(no fee)
Purchase
9.9%
Representative APR (Variable)
21.7%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 30 months
(no fee)
(no fee)
Purchase
0% for 30 months
Representative APR (Variable)
18.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 27 months
(no fee)
(no fee)
Purchase
0% for 3 months
Representative APR (Variable)
15.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
(no fee)
Purchase
0% for 12 months
Representative APR (Variable)
17.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
(no fee)
Purchase
0% for 12 months
Representative APR (Variable)
21.7%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 30 months
(no fee)
(no fee)
Purchase
0% for 30 months
Representative APR (Variable)
15.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
(no fee)
Purchase
0% for 12 months
Representative APR (Variable)
17.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
(no fee)
Purchase
0% for 12 months
Representative APR (Variable)
18.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 27 months
(no fee)
(no fee)
Purchase
0% for 3 months
Representative APR (Variable)
21.7%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 30 months
(no fee)
(no fee)
Purchase
0% for 30 months
Representative APR (Variable)
18.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Purchase
18.9%
Cashback
Representative APR (Variable)
18.9%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 27 months
(no fee)
(no fee)
Purchase
0% for 3 months
Representative APR (Variable)
23.7%
(Based on assumed borrowing of £1,200)
(Based on assumed borrowing of £1,200)
Balance Transfer
18.9%
(no fee)
(no fee)
Purchase
18.9%
Type of Card
Pre-Paid MasterCard
Adverse Credit
Details
No credit checks – open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus the a Debit Mastercard® for your every day spending
Cashback
Type of Card
Pre-Paid Gold Deluxe MasterCard
Adverse Credit
Details
The great alternative to a bank account. No credit checks to open an account. Free ATM withdrawals
Direct Debits and Online Banking services. Option to borrow up to £250
Option to borrow money
Type of Card
Pre-Paid Gold MasterCard
Adverse Credit
Details
The great alternative to a credit card. Simply pay in money with a UK bank transfer or cash and use it like you would a debit card. Instant Approval – 100% Guaranteed
Cashback
There are no tables for this criteria
Type of Card
Pre-Paid Business MasterCard
No Credit Check to Open
Details
Great alternative to a business bank account. Pay in cash or load money via bank transfer, use your card online and instore or to withdraw cash. Pay bills, suppliers and expenses online
Available to
Public or private, Sole traders, Limited Companies, Partnerships Multinationals, Charities, Government
Credit Card
How To Choose & Apply For A Credit Card
Selecting the right credit card will depend largely on how you are going to use it and how often. There are a number of key considerations when picking a provider.
- APR – The annual percentage rate of interest gives you the overall cost of the card, however it is important to understand this is only one measure of the cost of the card. The APR is based on purchases and not balance transfers and cash withdrawals where the rates of interest may be different.
- Representative APR – Lenders will quote a “Representative APR” which is based on what 51% of people are offered. What you are actually offered will depend on your credit rating when you make an application.
- Fees – Often found in the small print it is worth looking at what a credit card provider will charge you in the event of late or returned payments
- Introductory Offers – There is a lot of competition for your business and Card Providers are constantly bringing out new offers. The most common are 0% interest only offers for cards for balance transfers from existing card providers and deals on purchases e.g. 0% on new purchases for a set time period. For any introductory period providers are banking on you carrying on so it is important to pay off any balances before this time so you do not incur hefty interest charges.
- Benefits – As well as introductory periods, card providers may offer other incentives such as cashback on purchases made from specified retailers or outlets, airmiles based on monthly spend and other rewards such as concierge services and free travel insurance. You need to assess whether these are important to you – you may pay a higher interest rate for the privilege!
- Small Print – As with all credit agreements you should read through the small print so you know what you are getting into.
Credit Card Providers
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- Barclays Credit Cards
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- British Airways Credit Card
- BT Credit Card
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- Capital One Credit Card
- Capital One Classic Credit Card
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- Capital One Progress Credit Card
- Citi Credit Card
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- Co Op Credit Card
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- Lloyds Platinum Card
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- Mint Credit Card
- Nationwide Credit Cards
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- Natwest Student Credit Card
- Royal Bank of Scotland Black Credit Card
- Natwest Gold Cards
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- Post Office Credit Card
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- Royal Bank of Scotland Credit Card
- Royal Bank of Scotland Platinum Credit Card
- Royal Bank of Scotland Credit Card
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- Sainsbury’s Bank Credit Cards
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- Sony Credit Card
- Tesco Clubcard Credit Card
- Tesco Credit Card
- Virgin Atlantic Credit Cards
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- Vanquis Credit Card
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