Are you tired of being declined for credit cards? Maybe you’re on a low income or retired? Have you experienced hardships that have left you with bad credit? Perhaps you simply lack credit history because you’re new to credit. No matter what your situation is, you are welcome to apply for a Vanquis Bank Visa Card!

Vanquis will evaluate your current personal circumstances instead of just refusing your application based solely on your past. If you get approved for a Vanquis Bank Visa Card, your credit card could help you strengthen your credit rating going forward – as long as you use it responsibly. To date, Vanquis has helped over 800,000 people by approving them for the credit card they need.
You can apply today and join them!

Applying for a Vanquis Bank Visa Card is safe and easy. It only takes about 5 minutes. You could get a response in about 1 minute. Then you could enjoy all the benefits of a Vanquis Bank Visa Card – it has no annual fee. Your credit limit is set at a sensible amount to help you stay in financial control.

Find out more about the Vanquis Bank Visa Card

Typical 39.9% APR Variable

However you should pay the balance off each month so as to improve your credit rating

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Sometimes bad things happen, in fact, bad things happen all the time. Defending yourself against them is very difficult, especially in a time when financial stability is the stuff of legend. If you lose your job or your company goes under, you can be left with huge bills that are simply impossible to pay off. You could enter into an IVA, which will keep you from bankruptcy but last a number of years, and will leave you financially restricted throughout that period. You could also simply accept that filing for bankruptcy is the only option, something which many people refuse to believe but ultimately has a number of advantages. Either way, your financial difficulty is going to make you a significant credit risk and make it very difficult to get a bank account at any of the high street banks.

Your credit report will be a story of devastation if you hit these problems, and it can take years for it to return to an acceptable level. However, all is not lost. There are bank accounts available that are offered to people with bad credit ratings, and are fully functioning just like other bank accounts. These bank accounts are often offered by smaller companies who are used to dealing with struggling consumers, and fully understand the problems that people face with bad credit. Because of the risk they are taking in giving you a bank account, they will ask for a small fee upon your first deposit, but other than that there are no hidden charges. The bank will talk to you upfront about their terms and conditions; they aren’t interested in trying to take your money, it is in their interest that they get back on track and start building up a solid financial situation again.

The bank’s advisors will help you set up payments and manage your money so that you don’t go overdrawn, whilst also giving you a debit card and cheque book, among other things, that make your account almost exactly the same as one you would get from a high street bank. These banks will not be bothered if your credit report has hit the floor, they will simply need to find out whether you have committed any fraud in the past and will need proof of identification. Apart from that, the bank will be very understanding and will want to help you get back on track.

These bank accounts really are a fantastic way of starting afresh. You can start putting some money together for savings, budget properly knowing exactly what is going in and out of your account, and other things.  Whatever your financial situation, a guaranteed acceptance bank account can really help you restart your life and move towards having a solid credit rating in the future. These bank accounts are relatively new, having become a necessity after credit card debt became a real problem, but there are still extremely good companies who have years of experience dealing with people who have hit the financial wall.

Apply for a UK bad credit bank account

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Finally, there’s a credit card targeted specifically at those of us who’ve had a tough time with credit card spending in the past The Vanquis Visa credit card.

By having a sky high APR and a credit limit that wouldn’t let you spend too much, this is not a card for using on spending sprees. It really is, nonetheless, a excellent and very unusual chance to ease your way back up your credit rating table.

Apply for a Vanquis Visa Card

Vanquis Bank is the issuer of the Vanquis Visa credit card – explains how the high rates of interest as well as lower credit limit are suggestive of the risk they are taking in providing the credit card to just about anybody (most of the time having an immediate decision online). People that use the credit card report that Vanquis provide much better than usual customer support, therefore seem to be taking their part as responsible lenders seriously.

Make use of the Vanquis card sensibly, and also pay it off on time each month and in a short time you’ll be moving your way up the credit rating table.

If you have a poor or even a non-existent credit history it will often seem like you’re in a vicious circle getting nowhere fast. You need to demonstrate that you can be trusted with credit cards, however nobody is willing to offer the opportunity to prove it.

The Vanquis Visa credit card is, certainly, your path into improving your credit rating and working your way back again to where the financial institutions say yes, instead of politely saying no thanks!

What the Vanquis Visa card is not

One thing to remember, the Vanquis Visa credit card is not your ticket to going on a crazy spending spree downtown. Neither must it be viewed as a useful loan of £500 or whatever borrowing limit they choose to offer you.

The Vanquis Visa credit card ought to be seen as one thing only: a chance to step back onto the steps associated with credit-worthiness.

With this credit card you will not want to go racking up huge bills buying things you might need, why? Considering that APR for purchases with this credit card is almost 3 times greater than the average high-street credit card. Should you be unable to pay your balance off completely each month, you may see yourself spiralling back into the bad credit trap.

And do not ever think about using this credit card to withdraw cash from an ATM or use overseas. Having an APR on cash advances that will leave you speechless (along with the fact interest for these starts immediately) it is a sure-fire method to get oneself in financial hardships.

Paying back what you spend on your Vanquis Visa

In order to improve your credit rating you need to use the credit card often, however always pay it back completely before it’s time for interest to be charged.

One great thing that the Vanquis Visa credit card gives you is the option to pay once a month, fortnightly or even every week. This is particularly helpful for low income earners, or even those who budget on a weekly or even fortnightly basis, instead of monthly.

The Vanquis Visa credit card comes with a greater minimum repayment amount than usual credit cards, at 5% of the total balance or £5. This pushes you to settle your outstanding balance much faster, and therefore prevents you sliding into debt.

Vanquis Visa Summary

Ok so, the Vanquis Visa credit card is certainly not the best credit card for a shopping frenzy, however when you’re being turned down by every credit card provider in the UK, it turns out to be the very best – if not the only credit card available to you.

Together with its high APR and low credit limit, Vanquis Bank can easily afford to provide this credit card to just about everyone, regardless of their financial background. For the card holder who uses this credit card smartly, this offers a great, practically unique chance to improve a poor or even non-existent credit rating .

If you want to apply for a Vanquis card click this link 
Apply for a Vanquis Visa Card

For those with a Vanquis card you can contact Vanquis Customer Services on this number  0871 770 5555
or write to

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As their really name suggests, bad credit credit cards are a choice available to those that have some form of bad credit credit history and, therefore, credit status.

Credit Cars For Bad Credit

If you do happen to have a bad credit rating, then there’s a very strong possibility that you will be successful when making an application for one of these cards where you’ve been turned down when applying to the conventional card companies.

Likewise , if you do have a poor credit rating, then making an application for bad credit credit cards will help you to re-establish you credit record faster provided, naturally, that you manage the card properly and pay your bills on time!

A way to apply for a bad credit credit card

You can apply either Online or in the more normal method of sending off an application via th epostal system. Usually it will take anywhere from a couple of days to a week  for the issuer to decide your creditworthiness. Having mentioned that, provided your credit history isn’t fully wiped out you should be successful in your application.

What kind of credit limit should you expect?

The credit limit on a bad credit, credit card is usually much lower than that of a credit card which is issued to people with a strong credit rating. You can expect a minimum credit limit of around £200. Having said that, provided you keep a clean record and pay all your bills on time, there’s no reason why your limit should not go up over time as you build trust between you and the provider.

What is the interest rate of credit cards for bad credit?

Along with the limit, the interest rate is an example of the factors that puts the majority off signing up for this kind of card. Often the APR is higher than that offered by competing cards and if you were just comparing cards then it might look quite high. However, you need to remember that interest rates on credit cards for people who have bad credit will always be higher as there is a much greater risk involved as the card holder may default on their repayments.

If you clear the outstanding balance every month, and with the lower limit this could be simpler to do, the card will cost nothing, while at the same time helping to repair your credit history and credit rating. When used correctly, bad credit credit credit cards an inexpensive option of getting your credit rating back on course.

It’s important that you try and repay the maximum amount of the balance as you can presumably repay every month and you never fail to miss a repayment date otherwise this kind of card can very quickly turn into a expensive experience!

Credit Cards for Bad Credit:

==> Click To Apply for A Capital One Classic Visa card <==

Don’t forget to check out our Payday Loans section

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Credit cards for bad credit are real credit cards for people who had had bad credit in the past but are showing signs that they are now getting their credit file in order.

Many people make the mistake of thinking that a ‘prepaid credit card’ will help repair their credit history when in actual fact a prepaid credit card won’t make any difference to your credit rating as it isn’t a credit card at all.

A credit card is a form of credit – whereby you can spend money that you you do not have and are then allowed to repay that money at a later date and by installments if required – hence the word ‘credit’.
A prepaid credit card does not offer any form of credit as it only allows you to spend money that you already have. In fact, the correct name for a ‘pre-paid credit card’ is a “prepaid Visa card”. Because it has been called a prepaid credit card by some people it has caused confusion.

If you have bad credit and you are looking for ways to repair your credit and improve your credit rating then a credit card can actually help but as you are probably aware, getting a real credit card when you have bad credit is not an easy task.

99% of credit card companies WILL decline your credit card application if you have some form of bad credit as they see you as a ‘high risk’. This can leave you in a ‘catch 22′ situation.

However, there are a few credit card companies who will issue you with a real credit card even if you do have bad credit – this is not guaranteed as it does depend upon how bad your credit rating is.

But do not let that put you off from applying for a credit card with one of these companies. You may be surprised by how easy it is to actually be accepted for a credit card with bad credit. And yes, as these are real credit cards then you can use them to repair your credit rating.

Credit cards for bad credit are a good thing as they can help you as long as you do not spend more than you can afford to repay and as long as you repay at least the minimum amount each month as shown on your credit card statement.

By doing this you will find that your credit rating will improve and after 6 months of running your new account in a satisfactory manner the credit card issuer will offer to increase your credit card limit. When this happens you will know for sure that your credit rating is getting better.

Just because you have a credit card for bad credit doesn’t always mean that you will have bad credit. In fact, using your credit card responsibly, you will eventually be able to apply for (and get) a credit card from other companies and not just credit cards for bad credit.

In the UK there are only two credit card companies who offer credit cards for people with bad credit – Vanquis and Capital One. It is up to you which company you prefer to apply to and the link below will take you directly to their websites where you can compare which card best suits you.

Remember, when you get your credit card, please use it responsibly.

Credit Cards for Bad Credit:

=> Click To Apply for A Vanquis Visa credit card

• No Annual Fee
• Up to 56 Days Interest Free On Purchases

• Free Fraud Monitoring On Your Account
• Conveniently Pay Online or Over the Phone
• Friendly UK Call Centres

Don’t forget to check out our Payday Loans section

Sensible Credit Limits from £150 to £1,000

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