Missing payments could have severe consequences and make obtaining credit more difficult. A credit card is not suitable for long term borrowing.
As a responsible lender, Vanquis Bank will seek to provide you with a Credit Limit that reflects your needs and your ability to manage your account. To be considered for a Credit Limit Increase, you should make use of your Credit Limit without going overlimit and make your payments on time. By using your Credit Limit and keeping your account in order, you demonstrate to us that you can manage your account well and can handle the monthly repayments. Please also keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. Please remember this is just a guide and meeting these criteria does not guarantee you a Credit Limit Increase.
Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.
Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank Limited. Registered Office: No. 1 Godwin Street, Bradford, BD1 2SU. Registered number 02558509 England. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156).