Vanquis Visa Card
Posted January 7th, 2009 and last modified January 9th, 2009If you’ve had an application declined because you’ve got a bad credit rating, because you’ve got no credit rating, because you’re self employed or have a low income, Vanquis provide a good option. Their service is designed for people who fall into these categories. Vanquis describe themselves (somewhat alarmingly) as “a UK bad credit credit card provider”, what they mean is that they provide credit cards for people with bad credit.
The card amount is permanently fixed, which ensures you stay in control of your debt, and the range of services they offer are pretty fair, considering their proposition:
- No annual fee
- Up to 56 days interest free on purchases
- Free additional cardholder
- Free fraud monitoring
- Online and phone payment
- UK call centres
- 100% acceptance guaranteed*
*Subject to applicant providing acceptable identification, being resident in the UK, aged 18
years or older if primary cardholder, or 13 years or older if additional cardholder.
Click through for full product terms and conditions for the Vanquis Visa Card.
| Credit Card |
Card Details |
Interest Rate | Cash Advance Rate | Balance Transfer Rate |
Annual fee |
Interest free days |
|
|---|---|---|---|---|---|---|---|
|
Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt. | 39.9% APR variable | 39.9% | 39.9% | No Annual Fee | 56 days |
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Comparison of Top 10 Credit Card Offers
| Credit Card | Card Details | Interest Rate | Cash Advance Rate | Balance Transfer Rate | Annual fee | Interest free days | ||
|---|---|---|---|---|---|---|---|---|
 Halifax All in One Credit Card |
The Halifax All in One credit card offers a great introductory rate, and is perfect for saving you money now as well as in the future. | 15.9% APR | 27.95% p.a. (variable) | 0% for 9 months | No Annual Fee | 59 Days interest free |
 |
|
 Virgin Credit Card |
As well as a great rate, the Virgin Credit Card comes with:
|
16.6% APR (variable) | 27.9% p.a. (variable) | 0% for 16 Months (2.98% fee on balance transfers) | No Annual Fee | 50 days on card purchases |
|
|
 Capital One Classic Visa |
This card is designed for people with bad credit ratings, this is why the rate is quite high. |
Typical 34.9% APR variable | 34.9% APR | 34.9% APR | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
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|
As well as earning Flying Club miles which you can spend on brilliant rewards like flights, upgrades, car hire and more, a Virgin Atlantic Credit Card gives you up to 46 days interest free on card purchases. |
17.9% APR typical rate | 20.9% p.a. (variable) | 0% for 6 months (2% handling fee) | No Annual Fee | Up to 46 days on card purchases only. |
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The Virgin Prepaid MasterCard from Virgin Money is a prepaid Mastercard that you can add funds to, and use these funds for normal purchases. |
N/A | N/A | N/A | N/A | N/A |
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5% cashback on purchases in your first three months (up to £4,000 of spend). Thereafter, earn 0.5% on the first £3,500, 1% on £3,501 to £10,000, and 1.5% after £10,001. |
18.9% p.a. | 27.9% p.a. | 18.9% p.a | No Annual Fee | 56 days for purchases. 0 days for balance transfers and cash. |
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Vanquis Visa Card is designed for people with no credit history or who have previously had bad debt. Representative 39.9% APR (variable) |
Representative 39.9% APR (variable) | 39.9% | N/A | No Annual Fee | Up to 56 days on card purchases only |
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The award winning prepaid card with no credit check or bank account needed. | Funds in your Account will not earn interest | Prepaid only - N/A | Prepaid only - N/A | £59.40 p.a. (£4.95/month) | Prepaid only - N/A |
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January 18th, 2009 at 6:16 am
[...] Vanquis Visa Card: Credit Card for Bad Credit [...]
January 18th, 2009 at 11:36 am
[...] Vanquis Visa Card: Credit Card for Bad Credit [...]
October 24th, 2009 at 4:34 am
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