^ Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.

*To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Not doing so could harm your credit rating and ability to obtain credit. 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. By using your credit limits and keeping your accounts in order, you demonstrate that you can manage your accounts well and can handle the monthly repayments. There are no guarantees, but if you follow these steps consistently every month, you should be on track to improving your credit history and building a strong credit rating.

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.

+ Information correct as of December 2015

This site is owned and operated by Credit Benefit Services, LLC of Portsmouth Technopole, Kingston Crescent, Portsmouth, PO2 8FA. Credit Benefit Services, LLC is authorised and regulated by the Financial Conduct Authority for consumer credit business under firm reference number 727116. Data Protection Act number Z1437235. Copyright © 2017. All rights reserved. Credit Benefit Services, LLC is a credit intermediary and does not exclusively represent any single lender or service.

The Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Predential Regulation Authority (Financial Services Register No. 221156).