Vanquis Visa Classic Credit Card – 39.9% APR (Variable)
Rebuild Your Credit Rating
- Representative 39.9% APR (variable)
- Help for people who have been turned down for credit elsewhere
- 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
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
(Based on assumed borrowing of £1,200)
(no fee)
There are no tables for this criteria
(Based on assumed borrowing of £1,200)
(no fee)
One for all! Viabuy Prepaid Mastercard. No credit check or proof of income
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
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
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
Improve your credit rating with a Vanquis Visa Classic card
(representative variable)
Make your credit future shine with the new Chrome card. Can be a great tool to improve your credit rating
(representative variable)
The Aquis credit card can be a great way to build a strong credit rating
(representative variable)
One for all! Viabuy Prepaid Mastercard. No credit check or proof of income
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
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
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
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
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.
What are my credit cards options if I have a bad credit record?
If your previous track record on credit is less than perfect getting a credit card may be a bit more challenging, but there are options for you depending on what you need.
Credit gets more expensive when your credit record indicates that in the past you may have had a few blips. Basically you will be seen as a higher risk when it comes to making repayments. The good news is that while there may be options for you.
- Credit repair credit cards – These cards whilst expensive get you back on the road to building up your credit profile. Card providers such as Vanquis will increase your credit limit once they have seen your credit usage after a 5 month period.
- Pre-paid cards – you can only spend what is loaded onto the card. If you have a recent default on a credit agreement (last 12 months) you can forget about a credit card. A prepaid card allows you to get your spending habits back on track. Once you demonstrate a year’s worth of responsible usage some card providers will forward that info onto credit agencies.
Pre-paid Card Offer
Credit Card Providers
- AA Credit Card
- Abbey Credit Card
- Abbey National Credit Card
- Alliance and Leicester Credit Card
- Amazon Credit Card
- American Express Credit Card
- American Express Blue Sky Credit Card
- Aqua Credit Card
- Argos Credit Card
- Asda Credit Card
- BA Credit Card
- Bank of Scotland Credit Card
- Barclaycard Credit Card
- Barclaycard Initial Credit Card
- Barclaycard Simplicity Credit Card
- Barclaycard Student Credit Cards
- Barclays Credit Cards
- BMI Baby Credit Card
- bmi Credit Card
- Britannia Credit Card
- British Airways Credit Card
- BT Credit Card
- Cahoot Credit Card
- Capital One Credit Card
- Capital One Classic Credit Card
- Capital One Plus Credit Card
- Capital One Progress Credit Card
- Citi Credit Card
- Citibank Classic Credit Card
- Co Op Credit Card
- Debenhams Credit Card
- Egg Credit Card
- Halifax Credit Card
- Intelligent Finance Credit Card
- GE Credit Card
- Goldfish Credit Cards
- Halifax One Credit Card
- HBOS Credit Cards
- HSBC Credit Card
- John Lewis Credit Card
- Liverpool Victoria Credit Card
- Lloyds Bank Avios Rewards Credit Card
- Lloyds Credit Cards
- Lloyds Platinum Card
- Marbles Credit Card
- MBNA Credit Card
- Morgan Stanley Credit Cards
- Mint Credit Card
- Nationwide Credit Cards
- Natwest Black Credit Card
- Natwest Credit Card
- Natwest Student Credit Card
- Royal Bank of Scotland Black Credit Card
- Natwest Gold Cards
- Nectar Credit Card
- Paypal Credit Card
- Post Office Credit Card
- Natwest Platinum Credit Card
- Royal Bank of Scotland Credit Card
- Royal Bank of Scotland Platinum Credit Card
- Royal Bank of Scotland Credit Card
- Saga Credit Card
- Sainsbury’s Bank Credit Cards
- Santander Credit Card
- Sony Credit Card
- Tesco Clubcard Credit Card
- Tesco Credit Card
- Virgin Atlantic Credit Cards
- Thomas Cook Credit Card
- TSB Credit Cards
- Tuxedo Credit Card
- Ulster Bank Credit Card
- Vanquis Credit Card
- Virgin Credit Card
- Yorkshire Bank Credit Card