Vanquis Application FAQ

Borrowing with a Credit Card

  • Is a credit card suitable for me?

  • What does a credit card do?

  • How long do I have access to the credit?

  • How much will you lend to me?

  • Why do you have more than one interest rate on my account?

  • How much will it cost me?

  • What is Repayment Option Plan?

Your application

  • I've been turned down for credit before, will that affect your decision?

  • How can I apply?

  • Will I be charged for applying for a Vanquis Visa Card?

  • How long will it take to get a response?

  • How do you work out my interest rate?

  • What happens if I'm accepted?

  • What if I change my mind? Can I cancel my credit card and how long do I have to do that?

  • How long will it take between applying for a Vanquis Visa Card and receiving one?

  • How do I find out why you turned me down for a card?

Using your card

  • Where can I use my Vanquis Visa Card?

  • How will I keep track of my spending?

  • What will my credit limit be?

  • Can I increase my credit limit?

  • Can I withdraw cash on my Vanquis Visa Card?

  • Can I use my Vanquis Visa Card abroad?

  • What are the charges for using my Vanquis Visa Card abroad?

  • What are the Exchange Rates for using my Vanquis Visa Card abroad?

Contactless

  • What is Contactless?

  • How does it work?

  • Where can I use it?

  • Can I use my new contactless card immediately?

  • What are the benefits?

  • Is contactless secure?

  • Do I have to pay with contactless?

  • Is there a daily limit when using contactless?

  • If I have more than one contactless card will the wrong card be charged?

  • Can I be charged twice if I have more than one contactless card?

  • Is it possible to pay by contactless by mistake?

  • If my Vanquis card is lost or stolen can it be used for contactless transactions?

Paying your bills

  • How does the Vanquis Visa Card help me build my credit rating?

  • How can I make a payment to my account?

  • What is a Continuous Payment Authority and how do I set one up?

  • When I make a payment what gets paid off first?

  • What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

  • How often do I have to make a payment and how will I know how much to pay?

  • What happens if I don't pay?

  • What should I do if I'm having trouble paying my bill?

Managing your account

  • Can I manage my account online?

  • What should I do if I have any questions about my account?

  • What's my right to withdraw?

  • Can I add an additional cardholder to my account?

  • What if my balance gets too high?

  • Why might my interest rate change?

  • How often do you change my interest rates?

  • Can I keep my interest rates on their current rates and pay off my debt to you?

  • Can my statement be sent to me in Large Print, Audio or Braille?

  • If I have a disability or medical condition that affects my ability to run the account, what can Vanquis Bank do to help me?

  • How can I get a PIN reminder or a new PIN?

  • How do I report a lost, stolen or damaged card?

  • Credit card cheques

  • How do I query a transaction on my account?

Support/feedback

  • I would like to talk to someone about the credit card before I apply - what number do I call on?

  • Who can I contact if I am having problems completing my online application?

  • Do I need any special software to use the site?

  • My Internet Browser is not showing the site clearly, why is this?

  • Is the information I give you on this site secure?

  • What should I do if I have a complaint?

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