CARD NAME

Vanquis Visa Card

ISSUING BANK

Vanquis Visa 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. Consumer Credit licence number 532364. VAT number 180555952. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority. © Vanquis Bank Limited 2008.




CARD TYPE

VISA

USP

Repair or build your credit file - Vanquis have already helped 300,000 people get the credit they deserve.

PROS

The Vanquis Visa Card comes with these great benefits:
No annual fee
A credit limit assigned at a fixed amount to help you stay in control
Initial credit limits range from £250 to £1,000
Up to 56 days interest free on purchases
Free additional cardholder
Free fraud monitoring - we'll warn you of any suspicious activity on your account
Chip & PIN technology for added security whenever you use your Card
Visa is widely accepted in the UK and abroad
Convenient for paying online and over the phone
Friendly UK call centres

CARD TERMS & FEES

APRs - 39.9% to 59.9% APR variable on purchases.
Typical APR - 39.9% APR variable.
Minimum monthly repayment - 5% of balance or £5 whichever is the greater
Annual fee - None
Copy statement - £5 each
Cash/Cheque advance fee - 2.5% or £2.50, whichever is the greater
Foreign transaction fee - 2.75% of the amount of any non-sterling transaction made abroad
Late payment and over limit fee - £12
Returned payment fee if a Direct Debit or cheque is not honoured - £12

WHO CAN APPLY?

Over 18, UK resident with a landline phone number. It’s recommend you have your salary, banking and employment address details to hand to avoid any delays in applying if doing so over the telephone.

ATM LIMITS

Maximum ATM withdrawal - Not to exceed the credit limit on the Card and in accordance with daily withdrawal limits.

MISC

The Vanquis Visa Card can be used anywhere that you see the Visa acceptance mark - in store, by telephone and online. Up to 56 days interest free on purchase transactions available where you have paid off two or more consecutive current statement balances in full and on time.

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