Vanquis Visa Card

Review:
Vanquis Bank is part of Provident Financial plc. This is a global finance company proving a range of services to the public. Their product is geared towards the individual who for various reasons such as ccj’s, employment status or low income, have been unable to obtain a credit card. While the downside of this product is the higher than normal interest (only payable if you fail to pay off the balance in full when receiving your statement), the upside is they provide a vehicle to rebuild your credit history allowing you reduce the interest of a period of time. Vanquis use call centres based in the UK.
This product was originally named the Abacus card till September 2007..

REPRESENTATIVE EXAMPLE
Long Term Rate:
Purchase annual interest rate 39.94% (variable)
Amount of credit £1000
Representative 39.9% APR (variable)

Annual Fee: none

Type: VISA

Balance Transfers:

N/A

Purchases: 39.94% APR representative variable

Credit Limit: Starts £150
You could get a Credit Limit increase on your 4th statement. Conditions apply, please see below* And further increases every 4 months, up to £3,000. Conditions apply, please see below*

* To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going overlimit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

Cash Advances (withdrawals): 2.5% or £2.50, 46.19% APR

Minimum Repayment: 5% of your balance or £5 whichever is the greater.

interest free period: Up to 56 days interest free on purchase transactions only, where you have paid off two or more consecutive current statement balances in full and on time.

Fee's
46.19% APR on cash and cheques
Cash/Cheque advance fee of 2.5% or £2.50, whichever is the greater.
Foreign transaction fee of 2.75% of the amount of any non-sterling transaction made abroad.
Default charges Late payment and over limit fees are £12.
Returned payment fee of £12 if a Direct Debit or cheque is not honoured.

VANQUIS - VISA: APPLY NOW

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Vanquis card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford, BD1 2LQ. Registered number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

Customer Comments:
After so many times been turned down for a credit card, finally thanks to Vanquis accepted me providing with a Grattan card.
Just because you haven't got a good credit history that don't make you of a less person. Also those companies who refuse you I think they are loosing out many reliable customers. Mistakes in the past makes you of a more caring and sensible person towards the finance.
As a new Vanquis customer I'm dedicated to pay every monthly statement without fail.

Other Facts:

Free additional card holders

chip and pin security enabled

repayments can be made at your local post office

to apply you will need to be over the age of 18 and live in the UK with a non-mobile phone number.
You must be on the electoral roll, not have an outstanding County Court Judgement or had one that cleared in the last year.