This aims to help you get used to how a credit card account works. 28 May 2019 at 7:03PM in Credit cards. No annual fee. Excellent, Good. Using Your Vanquis Credit Card Abroad. This means that you can use your thimbl. 50 - In this example we charge £3 because it is greater than the 3% (£1. 21. Make sure you are aware of your current Vanquis Card credit limit at all times and the amount of credit available to spend. Prior you readers on when, they require know that: We. The cards are good as 'credit builder' cards, as long as you pay off. 5 percent APR which is variable for different conditions. Loans; Personal loans;. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. Vanquis bank is a subsidary of financial provident fund which is started in 2003. Increasing your limit means you have more flexibility to spend. You withdraw £50: 3% of £50= £1. I have the Gold Vanquis card, and my limit is £3k. Check your eligibilityVanquis themselves promote that the 5th month is when they review your credit limit. As a responsible lender we want to be sure you can comfortably manage your repayments. Receive your £25 credit. This is the minimum amount that you must pay each month towards your credit card balance. Enter your card number and select option '5' to select the preferences that best suit you. To ensure your claim is successful, you must provide evidence that supports it. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Credit Builder Credit Card. Available balance: £370 (£500 minus £130). As a responsible lender we want to be sure you can comfortably manage your repayments. Credit limits on the Vanquis credit card vary between £150 and £4000 Cash withdrawal on a credit card can cost you a lot of money Vanquis Bank offer one main type of credit card and it is one of the most well known ‘credit builder’ credit cards in the UK. Used well a credit card can be a secure and flexible way to spread costs. Chrome Credit Card. Find out information about credit limits, fees, charges, minimum payment & foreign. What is a Credit Limit; Balance Transfer Credit Cards; Credit Card Benefits;. Vanquis will check your eligibility first with a soft credit check. This aims to help you get used to how a credit card account works. Mr H took his card out in 2011. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Payments in Europe. Make a transaction of £1 or more (I just topped up my Amazon account by £1 for this but you can also just buy something in any shop (with a value of atleast £1). Apply Online. To activate your card download the Vanquis Bank App. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: ChargesAqua / Vanquis credit cards. If we vary your minimum payment we will write to you to tell you. Check your transactions and 12 months of statements; Report your card lost or stolen. No annual fee. 9%, despite the limit being slowly increased to £2,000 and no missed payments / overlimit. Bad credit + no interest = too risky to give you more credit. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. A 0% balance transfer deal allows you to shift debt from other cards, without paying interest for a set period. 9% APR (variable). At the moment I am managing to pay the monthly minimum fee of £135 a month, but when my maternity leave begins I will be struggling with everything. Most recently we’ve acquired Snoop, a platform which provides data-driven, personalised insights (or. App works well. if refunded by then, would that amount be extra credit limit or used by Vanquis to pay off current credit balance? Thanks in advance. UPDATE In summer 2018 the first refunds were credited to people’s accounts. 12. This credit limit is set by the card provider and is usually based on your income and credit history. How a Vanquis card has improved his credit score: “In the 3 years, I’ve had the card, my rating has improved massively, they’ve increased my credit limit as I’ve used it too. See Personal Loans. Why would she need 100. Vanquis Banking Group plc Annual Report and Financial Statements 2022. ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH. Build your credit rating with a Vanquis Credit Card. You must be 18 or over to use our four-step eligibility check and apply for a credit card. The credit limit is the maximum amount of money you can borrow on your credit card. I had an email this afternoon asking for my. Check your eligibilityVANQUIS CREDIT CARD 2. 8 stars on the App Store, based on over 148,000 reviews, and a rating of 4. • Set up and manage Direct Debits through. S. You could build and maintain your credit score if you manage your card responsibly. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. 7 April 2020 at 1:03PM in Credit cards. Vanquis Card - £1000 Limit Aqua Card - £1200 Limit Barclaycard Platinum - £2500 Limit Credit Utilisation 11%/Savings - £1800. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. To complete the eligibility check you will need to provide a few details: Personal details like your full name and date of birth. Enter your card number and select option '5' to select the preferences that best suit you. Vanquis have never increased my limit again though. The Vanquis Purchase Card comes with a few benefits and features that differ from other credit cards. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 5. Thanks! Dont know about Vanquis specifically, but my wife got Aqua CC for credit building and was given £500 limit. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Increasing your limit means you have more flexibility to spend. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Terms state that it will be paid within 45 days, but it is usually applied within a. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. Established in 2007, it offers credit building credit cards under the Visa brand for UK residents with a limited or uneven credit history. most of the reviews about their credit card activities ( card is for people with poor credit records) 0. Update your contact details. All you need to do to trigger the bonus is make any spend - a £1 Amazon top up will do. 2. 9% in August so he opted out and closed the account. Your thimbl. Generally, cardholders should advise Vanquis Bank within 120 days from the date of the transaction, however, cases can extend up to 540 days and even beyond that with certain card companies. Loans of between £1000 or £5000 are available and they are repayable over 1-3 year with a representative MONTH of 39. Do not know what they look at to give increase had mine 5 months now and just been increased from £250 to £750. I was utilizing it by anywhere from 20% to 90% and paying the balance in full after issuing the statement, so no interest to be paid. We may increase your minimum payment. I have a Vanquis credit card with a £1250 limit, in which i cleard the balance 3 weeks ago so i have £1250 available. Maximum spend for cashback purposes is limited to credit limit. This aims to help you get used to how a credit card account works. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Forumite. Some lenders won’t gives cards to people with bad credit, additionally some cards are one available to people with good credit scores. write a review. Initial credit limits are lower, between £150 and £1,000, with a. Pay My Card Login. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Registered number 02558509 England. The Aquis variable APR of 29. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Make payments and set up automatic payments. These products are specially designed for students who don’t have the credit score and income to be approved for a standard credit card. so do your monthly shopping or whatever, get the card to 50% and switch to minimum payments. I realise not everyone is as fortunate as myself, so that being the case Vanquis offer low credit limits for people to use the card like a Visa debit card (if you can't get one). I know if you pay on time every month your credit limit can go up (i think it said every 4 months) just wondering anyone who has got 1 is it definitely every 4. He's got a Halifax Amazon card with a £1500 limit, FlyBe with a £1000 limit and NatWest with £500 limit. Update your contact details. Registered number. This aims to help you get used to how a credit card account works. This could be used at a local newsagent, or you could send £1 to a friend of family, buy a £1 amazon gift card, or send money on paypal. Report your card lost or stolen. Hello my vanquis credit card is on its way and I don't know what my limit is yet. Check your eligibility in 60 seconds, with no impact to your credit score; Get a tailored credit limit to suit your needs;Anyone who wants to apply for a Vanquis credit card can use the ‘soft search’ service. Vanquis credit card charges, advice needed!! flopper7uk Posts: 24 Forumite. This aims to help you get used to how a credit card account works. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 5% variable APR. Check your eligibilityManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This aims to help you get used to how a credit card account works. 2. Report your card lost or stolen. 31% APR (variable) Earn £5 statement credit when spending £15 or more at participating Shop Small retailers between 1. Check your eligibilityVanquis Credit Cards; Apply for a credit card; Credit cards for bad credit; Credit building credit cards; A guide to credit cards; Credit card eligibility checker; Loans . As a new customer you geting a starting credit limit of between £150 - £1,500 subject to eligibility. As a responsible lender we want to be sure you can comfortably manage your repayments. Download the Vanquis App to quickly and easily manage your account. Dakent89 Posts: 34 Forumite. 9% Representative. As a responsible lender we want to be sure you can comfortably manage your repayments. 5% APR Representative (variable) Subject to affordability. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. 18 October 2011 at 7:28PM. Check your eligibility in 60 seconds, with no impact to your credit score; Get a tailored credit limit to suit your needs;I later got a Barclaycard. View our credit card A simple online credit card application processDownload the Vanquis App to quickly and easily manage your account. Home › Credit cards. 34. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. For example, say you have a limit of £1,000, you’ll be able to move up to £900. credit limit Know your credit limit. This aims to help you get used to how a credit card account works. If you are past the limit, then it sounds like Vanquis are making extra sure that your payment is good and they receive the money. You could build and maintain your credit score if you manage your card responsibly. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Build your credit rating with a Vanquis Credit Card. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Amazon Platinum Mastercard. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. 2013) to continue with my application for a credit card and I am shocked when he told me that I have been accepted and I will get my credit card within the next 7 working days and my pin number will follow. * To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. As a responsible lender we want to be sure you can comfortably manage your repayments. Vanquis bank also provide fixed rate bond service, started in 2011. How we can help. Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). As a responsible lender we want to be sure you can comfortably manage your repayments. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. A transaction refund does not normally count towards your minimum repayment so beware of relying on it. He has had the Vanquis card for 18 months now so has lots of green zeros. (FCA) has today imposed a great of £1,976,000 on believe card lender, Vanquis, for failure to disclose that comprehensive price of an add-on product, called. Rising credit limit: Although your starting credit limit is low, at a maximum of. To start to qualify for a Credit Limit increase, you should make your repayments on your Vanquis Visa Card and your other credit accounts on time and make good use of but not go over your Credit Limit. Check your eligibilityA credit builder credit card has a low credit limit and a high APR (Annual Percentage Rate). Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). 0. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Initial credit limits are lower, between £150 and £1,000, with a 29. Enter your card number and select option '5' to select the preferences that best suit you. As a responsible lender we want to be sure you can comfortably manage your repayments. It started many years ago whilst at University. 9% (variable) p. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. £1500 Credit Limits Available. Vanquis will check your eligibility first with a soft credit check. Vanquis Bank Limited is authorised by the Prudential. Vanquis Bank can be contacted at its registered office, which is at No. Like it should be. Discover our credit card Save up to £1,500* with Snoop It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. Increasing your limit means you have more flexibility to spend. Check your transactions and 12 months of statements; Report your card lost or stolen. The main Vanquis number on a scam 0870 number is 0870 8507755, or alternatively 01634 793500, where if you call during office hours the phone is answered by a 'real' person and no press button 1 etc. 4. Thanks for the reply, I have only spent £120 from the £500 limit I was given, I took the card out originally to up my credit score as I’m a first time buyer, I use the vanquis card mainly for fuel and bits and bobs just to spend a little so I can pay back each month hoping for my credit score to grow. cheri15 Forumite Posts: 14 Forumite. What you need to doDownload the Vanquis Bank App. Using the Vanquis Bank App. 14 January 2016 at 12:11AM. You can also choose Payit™ to make your payments easier and faster. Spreading costs of purchases into smaller amounts. The Vanquis Classic Visa comes with an easy-to-manage credit limit between PS150 and PS1,000 and may be eligible for a credit limit increase after your 5th statement, up to a maximum of PS4,000 subject to good account management (e. It is quick and easy managing your Vanquis credit card with the Vanquis app. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. I think because I was managing the account in their favour (usually just paying minimum amount every month) I got increases on limit around every 6 months. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. High limit credit cards are exactly what they say on the tin: credit cards that have limits of £10,000. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Unfortunately, the scammers out there are very clever and they can make an e-mail look like it came from whoever they want and make the link look like it takes you to whichever website they want to make it look like. After 3 months she got credit limit increased to £1700 and yesterday she got letter that the limit has been raised to £3700 (!). A credit limit is the maximum you. Grace Witherden In this article What do Vanquis Bank Credit Cards offer? How does Vanquis Bank compare to other providers? Is Vanquis Bank a good credit card provider? How we calculate Vanquis Bank's customer score and ratings Vanquis Bank credit card FAQs What do Vanquis Bank Credit Cards offer? Credit Builder Credit Card. 0. 6%. The £25 arrived within a couple for days for me. Weeding out inactive accounts is a cost saving. The average credit card limit is between £3,000 and £4,000 but, in theory, there's no maximum credit limit a card company could offer you. The Vanquis Credit Card has three different versions for its customers. Enter your card number and select option '5' to select the preferences that best suit you. Vanquis is repaying £168,000,000 to over a million customers who had its ROP (Repayment Option Plan) on a Vanquis credit card since 2003. This will make it easier for you to pay each month. Damaged credit card If your credit card is damaged and no longer works, you’ll need to call our team on 0330 099 3000*. Zopa Credit Cards - Limit Increases? « 1 2 » Comments [Deleted User] Posts: 7,175. Lost or Stolen We suggest an immediate stop to your credit card if it is lost or stolen card. Check your transactions and 12 months of statements. Any credit that is obtained as a result of an application will be provided by Vanquis Bank Limited. 5% APR (Variable) View Card Summary. Cashback paid Monthly into Card Account. In February 2018, the FCA (Vanquis’s regulator. If we vary your minimum payment we will write to you to tell you. Credit limits to one Vanquis credit card vary between £150 and £4000; Cash withdrawal on an credit card can expenditure you a ticket away money;. Lost or Stolen We suggest an immediate stop to your credit card if it is lost or stolen card. Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). This aims to help you get used to how a credit card account works. With this credit card you could: improve your credit score if you manage your card responsibly get a personalised credit limit between £500 and £1,200 manage your. Hi all, Just wondering if it is worth trying to reclaim charges from my vanquis credit card . get a personalised credit limit between £500 and £1,200. Credit limit up to £1,500. High limit credit cards are exactly what they say on the tin: credit cards that have limits of £10,000. (coming soon) Personal loans from £1,500 to £10,000 over 12 to 60 months. Increasing your limit means you have more flexibility to spend. Best credit card easiest app Signed up for my Vanquis credit card, was accepted, got my phone call straight away to finish the last bit of my application, spoke to a very polite and helpful man who talked me through everything I needed to know, my card and pin arrived in the time frame given, downloaded the app which was the easiest and most straight. 9% APR - Proposal. Review score: For further details, please refer to your credit card terms and conditions. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. Applicants with no credit history, poor credit history or are unemployed are all considered. Aquis Vs. It also provides a range of cards tailored to suit the needs of its customers, with a range of APR's, credit limits and promotional offers. Increasing your limit means you have more flexibility to spend. Increasing your limit means you have more flexibility to spend. Download it now and take advantage of these features and more: Verify online purchases. 0% interest for three months – If you miss a. Download it now and take advantage of these features and more: View your PIN and card details; Verify online purchases; Make payments and set up automatic payments; Check your transactions; See up to 12. At that time, Vanquis had decided to lend him a relatively modest £250. Make payments and set up automatic payments. manage your account 24/7 in the Vanquis app, wherever you are. Make payments and set up automatic payments. Vanquis offers a range of credit card products, unsecured personal loans and savings products. App works well. I have a Vanquis credit card with a £1250 limit, in which i cleard the balance 3 weeks ago so i have £1250 available. Current Debts. 50 - In this example we charge the 3% (£4. Vanquis credit cards are available to people includes a poor credit rating either no credit history and allow these people to, either, have access to credit and to build their credit tally. The cards are good as 'credit builder' cards, as long as you pay off. Every card has specific consumers. Hi A4445, I'd had my Vanquis since around 2012, starting limit of £750, if I remember rightly. This aims to help you get used to how a credit card account works. I have the Gold Vanquis card, and my limit is £3k. Anthorn Posts: 4,362 Forumite. , as they’re typically only the most high-end credit cards offering the best benefits of any card on the Visa network. The interest payment limits vary from £250 to £1,000, and the APR represents 29. Click here to read 417 customer reviews of Vanquis Credit Card, rated 4. Increasing your limit means you have more flexibility to spend. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. You can transfer up to 90% of your credit limit. It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. If Vanquis Bank is able to offer you this deal, the offer will specify a personalised credit limit based on Vanquis Bank's assessment of your situation. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. The Amazon Platinum Mastercard offers certain benefits: £20 Amazon gift voucher when you open the account. This aims to help you get used to how a credit card account works. As a responsible lender we want to be sure you can comfortably manage your repayments. Credit card users mis-sold an add-on product are to be contacted about how they can claim repayments for unfair charges. 34. Increasing your limit means you have more flexibility to spend. Our FAQ search tool contains help and guidance for a number of topics. A tailored credit limit As a new customer, you'll start with a tailored credit limit with room to grow. Our market-leading. As a responsible lender we want to be sure you can comfortably manage your repayments. Increasing your limit means you have more flexibility to spend. It’s always best to check your eligibility before you apply for any credit card. Find out information about credit limits, fees, charges, minimum payment & foreign usage for the various Vanquis credit cards. Final notice 2018: Vanquis Bank Limited The processing is applying for a first credit card your very simple, and you can accomplish it online. Home › Credit cards. YOUR CREDIT LIMIT Your Credit Limit is the amount that we have agreed to lend you. Representative 34. Vanquis Card credit limit at all times and the amount of credit available to spend. Around 45 days ago I applied for vanquis credit card online and I have been approved and my credit limit is £1000 card and pin arrived and then tried to activate the card but what I see, they ask me to call customer service to confirm my income then they need 3 month of bank statement and three payslips with my Driving Leinces I sent them. So, most student accounts will have a higher APR rate than regular credit cards—usually around 39. Therefore the Aquis may be more desirable if you want a higher starting limit. It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. 0. credit card, you must be over 18 years-old and live in the UK. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This is not applicable if the transfer is. 50). Got 0% interest for the first 12 months and my credit score seemed to improve, since then they keep offering me the chance to increase my credit and windows for 0% balance transfers, but I think they do charge a monthly fee of around £9. Easy login with your personal passcode. Check your eligibilityManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Make a Vanquis Loans Credit Card Claim. You'll be able to: • View your current balance and available spend. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. No card fees: Vanquis does not charge customers monthly fees to use its cards. 13 January 2016 at 7:07PM in Credit cards. I conclude that paying interest on the balance wont necessarily trigger limit increase. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Make a purchase using the Vanquis card (I just topped up my Amazon account). Rates starting from 29. Manage your credit card using the Vanquis app. Vanquis Bank can be contacted at its registered office, which is at No. Vanquis offers a range of credit card products, unsecured personal loans and savings products. Receive £25 credit on your card to spend (£1 of this will be used to cover the £1 transaction you made in step 4). This aims to help you get used to how a credit card account works. This aims to help you get used to how a credit card account works. Apply Here. As a responsible lender we want to be sure you can comfortably manage your repayments. £12 Tracing charge if we have to trace you. Typically we will send your statement around 3-4 weeks before your minimum payment is due. Vanquis Credit Cards. Whether you have bad credit or little to no credit history, a Vanquis Credit Card can help. Enter your card number and select option '5' to select the preferences that best suit you. This aims to help you get used to how a credit card account works. Your credit limit can rise to £4,000. Manage your credit card using the Vanquis app. Use your card details to register, activate and start using your card. This aims to help you get used to how a credit card account works. No reviews yet. As a responsible lender we want to be sure you can comfortably manage your repayments. Build your credit rating with a Vanquis Credit Card. We can change your. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Date of birth (in the format of DD/MM/YYYY) First character of your First Name. Touch FeaturesCredit set between £250 furthermore £1,500Chance to increase credit limits up to a maximum £4,000Credit boundary proofed every 5 months£10. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. Enter your details and apply for a Vanquis credit card. vanquis credit limit increase offered. Increasing your limit means you have more flexibility to spend. Write a review. The Vanquis Credit Card is another popular UK credit builder card. Increasing your limit means you have more flexibility to spend. My limit was only ever £250. As a responsible lender we want to be sure you can comfortably manage your repayments. Increasing your limit means you have more flexibility to spend. Increasing your limit means you have more flexibility to spend. Read our credit card guides to help you better understand credit cards and choose a card to suit you and your needs. , like other cards offered by Vanquis, use the Visa credit card network. For further details, please refer to your credit card terms and conditions. Increasing your limit means you have more flexibility to spend. VAT number 180555952. These features include: 0% interest on purchases for the first 4 months. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. Receive your £25 credit. Vanquis will check your eligibility first with a soft credit check. I've had my Aqua card since November and it started on a £600 limit. Representative example: When you spend £1,200 at a purchase rate of 23. Vanquis Bank can be contacted at its registered office, which is at No. Do however ensure that you pay the balance off each month as their interest rate is truly horrendous!Here are the top 10 best credit building credit cards in the UK: 1. UPDATE In summer 2018 the first refunds were credited to people’s accounts. As a responsible lender we want to be sure you can comfortably manage your repayments. If you spend too much on a credit card and go over your agreed credit limit, you may be charged a fee. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. Bad credit + no interest = too risky to give you more credit. products. Usually, you’ll want to provide the following information: Their. write a review. Mr H wanted to complain about the increases to his credit limit Vanquis made after this. I started with a £250 credit limit now 6 years later I'm on there maximum limit of £4. Address details and residential status. As a responsible lender we want to be sure you can comfortably manage your repayments. I can assure you that no aspect of any Provident-issued credit could ever be considered "competitive" when compared to others - Vanquis's target market is high-risk, and the interest rates and charges reflect that. View our credit card A simple online credit card application process Credit cards. Improve credit score: If you have a bad credit score or no credit history a credit card could help. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 3%, Representative example: 34. I want to do this to avoid these fees, and. Making a claim for mis-selling of Vanquis loans or credit cards requires certain documentation. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility.