I’ve highlighted the worst of it below: All rewards earned can only be used for a single fill-up. Vanquis Bank offer one main type von credit card and it is one-time of the mostly well known ‘credit builder’ credit cards in the UK. Here is a Vanquis credit card guide to help you better understand credit cards and their different types. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. It’s a goldmine of consumer insight you can use to create fresh, ultra-useful content, products and services. Your account will have a credit limit, which is the maximum balance set by the card issuer. I went on TopCashBack to buy something from Argos and saw that TCB were paying £17+ for taking out the Argos credit card, so decided to apply. Vanquis is a credit building credit cards under the Visa brand for UK residents with a limited or uneven credit history. 3% cashback on fuel purchases. Vanquis acknowledgment cards are available to people with a poor credit rating other no credit historical and allow these people into, both, have access to credit and to build hers credit score. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. See if you’re eligible for a Vanquis credit card today. Build your credit score with a Vanquis credit card. Managing your trust limit. See the example below. Chase has a “5/24 rule” that limits the number of cards you can open in a two-year period, across any. It means that if you have at least 4 friends interested in getting credit card, you can earn 100£. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Start with a manageable credit limit of £500 up to £1,500. Report your card lost or stolen. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Build your credit score with a Vanquis credit card. Chrome Credit Card. Vanquis can't guarantee acceptance, but do have a long history of helping people with poor or non-existent credit histories, and understand that these circumstances happen for a wide variety of reasons. 99% fee for using your credit card abroad. Build your credit score with a Vanquis credit card. Build your credit score with a Vanquis credit card. There is no confusion reading the transaction page and you get reminders if payment is due. Credit Cards For Bad Credit. If you bought something with your credit card and something’s gone wrong, you might want to dispute the transaction to claim back what you paid. We may increase your minimum payment. If you need to make a chargeback claim, make sure you do it within 120 days of purchase. Build your credit score with a Vanquis credit card. It frequently has a low credit threshold however as well as high interest charges so it is advisable to pay the full amount off every month. Before you apply, use our 60-second online Eligibility Checker to get an instant initial decision without it showing up on your credit file. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. However, since I bought the pass with my Vanquis credit card, I don't really know what their processing time frame and guidance is. As far as balance transfer credit cards go, the Vanquis Balance Transfer Offer Card doesn’t have a long initial interest-free period. Credit Limit. While in a store, insert your credit card into the Chip and PIN reader. It's the loose-moralled tramp of the credit card world and will take on most anybody. 16%. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. credit cards for bad credit provide a sensible way for you to stay in control of your money. Say you have a $5,000 balance on a credit card with a 20% annual percentage rate (APR). Also FYI, i am 22 and the only reason i have the Vanquis card is because i had no form of credit. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Whether you are looking to build your credit profile or plan on using a card to make everyday purchases, you can check your eligibility in 60 seconds with no impact to your credit score. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. Just like any other credit card, as long as you pay off any and all debts before the end of the month, you won’t be losing out on money due to late fees or interest, if anything you will actually be building your credit score this way. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. If there is a delay, then you will need to pay off the card. Anyone with a Vanquis card who is having trouble paying them and is bothered by calls just has to say this. Moneybarn offers secured vehicle finance on a range of asset classes, new and used including cars, motorbikes and light commercial vehicles. An if you have one credit card for less than six months, and then apply for another from the same provider, you may get turned. Wait for your Vanquis credit card to arrive. We may increase your minimum payment. A higher APR means you will have to pay a higher interest on the outstanding balances. This includes: credit cards. First time post as can’t seem to find it asked anywhere before. 12. credit cards for bad credit provide a sensible way for you to stay in control of your money. Our FAQ search tool contains help and guidance for a number of topics. credit cards for bad credit provide a sensible way for you to stay in control of your money. If you have a poor credit score you will have a…Build your credit score with a Vanquis credit card. Vanquis Bank can be contacted at its registered office, which is at No. Steps to get your free £25: Click the Vanquis referral link. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Build your credit score with a Vanquis credit card. I have a Post Office credit card with £200 credit also. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. You can also set your Vanquis card as the default for. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. One of our creditors is Vanquis. This means your credit card company. We are struggling financially at the moment as my partner has had a downturn in work since the beginning of the year, and the situation doesn't look like improving in the immediate future. You can also get it if you have a good credit rating (I was accepted…19 April 2011 at 2:15PM. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. A typical minimum repayment will be around 1 to 2. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Your Last Name (in full)Vanquis is repaying £168,000,000 to over a million customers who had its ROP (Repayment Option Plan) on a Vanquis credit card since 2003. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Update it in the Vanquis App or you can call us. If you use a debit card for your payment, your balance will update within 2 working days. Money Credit cards & loans Credit cards Updated: 3 Nov 2023 Vanquis Bank credit card review Find out how customers have rated Vanquis Bank for its application process, customer service, mobile app and more in Which?'s credit card customer satisfaction survey Grace Witherden In this article What do Vanquis Bank Credit Cards offer? If you’re looking to improve your credit score, a credit card for bad credit could help to rebuild your credit rating. credit cards for bad credit provide a sensible way for you to stay in control of your money. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. 9%p. credit cards for bad credit provide a sensible way for you to stay in control of your money. Interest Explained – based on 59. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Update your contact details. Charges. Download the Vanquis App to quickly and easily manage your account. The bonus is paid as credit on the card which you can spend how you want. Download and register, or open the Vanquis Bank App. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Build your credit score with a Vanquis credit card. 2. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Apply Here. 9% in August so he opted out and closed the account. , like other cards offered by Vanquis, use the Visa credit card network. You could build your credit limit up to £4,000 over time subject to good account management. The Aquis variable APR of 29. Steps to get your free £25: Click the Vanquis referral link. You can give Vanquis customer services a ring on 0330 099 3000 with any queries. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. The best way is to have a Direct Debit for the full balance. First, you have into complete a 4 step process in check yours eligibility. We offer personal loans for up to £10,000. They are a great way to help improve your. Credit limit up to £1,500. I want to pay off my Vanquis card. Vanquis Bank can be contacted at its registered office, which is at No. 27 February 2018. They offer loans and credit cards to over 4 million customers in the UK, have an award winning app and are trusted and liked by their customers, averaging 4. Once you are approved, you will receive a credit card within two weeks. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Apple Pay is here and available on all your Apple devices. Vanquis credit cards are available to people includes a poor credit rating either no credit history and allow these people to, either, have access to credit and to build their credit tally. Credit card enquiries. An In-Depth Overview of the Vanquis Credit Card Services and Features. Customers can make use of the internet and mobile banking services offered by the bank to manage their accounts and make payments. Build your credit score with a Vanquis credit card. Enter your details and apply for a Vanquis credit card. 1 CapitalOne, Credit Cards for Bad Credit UK. Vanquis is a credit card offering a welcome bonus of £25 for new accounts. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Moneybarn offers secured vehicle finance on a range of asset classes, new and used including cars, motorbikes and light. And when you pay, your card number is never shared by Apple with the retailers. It comes with a representative annual interest rate (APR) of 29. During an IVA you can’t borrow more than £500 from any lender without asking your IP for their permission first. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Please do not respond to this email, if you have any questions call us on 0870 850 7755 and select option 3. Receive £25 credit on your card to spend (£1 of this will be used to cover the £1 transaction you made in step 4). 9 million following an investigation into its credit card repayment add-on by the Financial Conduct Authority. Always check your credit card expiry date before you start your trip. See up to 12 months of statements. Information about your account security and how to combat fraud. Free £25 when you get the Vanquis credit card and spend £1. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. It is quick and easy managing your Vanquis credit card with the Vanquis app. My minimum payment was due today (28/11/16), I have already paid Vanquis twice. As a new customer you geting a starting credit limit of between £150 - £1,500 subject to eligibility. First, you may to complete a 4 step start to check your eligibility. What you need to do: • Use the link above which is the only way to get your £25 for setting up the account. Receive £25 credit on your card to spend (£1 of this will be used to cover the £1 transaction you made in step 4). 5. Use card tools. I was struggling with my credit score and got pre-approved for a Vanquis card. 22 January 2010 at 5:46PM. Apply for a Credit Card. I have never missed any payments what so ever with anything and i am in no debt. credit cards for bad credit provide a sensible way for you to stay in control of your money. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Vanquis will check your eligibility first with a soft credit check. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. This transaction needs to be made within 90 days of the application. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). The Zopa Credit Card has no annual fee and a representative APR of 34. Look online at your eVanquis account. Build your credit score with a Vanquis credit card. Build your credit score with a Vanquis credit card. You can manage your account 24/7 using the Vanquis App but for general enquires check out our FAQs. Vanquis bank offers credit cards to those with poor or no credit history. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. How we can help. Your Vanquis details. Build your credit score with a Vanquis credit card. Get £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. 1. Thanks :) 21Neptune • 1 min. Build your credit score with a Vanquis credit card. , your representative rate is 34. Making a claim for mis-selling of Vanquis loans or credit cards requires certain documentation. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Some credit card issuers offer features that make it easier to spot or stop automatic payments and subscriptions. Build your credit score with a Vanquis credit card. To become a Which? Best Buy, a credit card must have been one of the top five cards in its category and must also satisfy specific criteria for the type of card such as the size of balance transfer fee or length of 0% period. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. Last six digits of your Card Number. A typical minimum repayment will be around 1 to 2. card in most retailers, wherever you see the Visa sign. Download the Vanquis App to quickly and easily manage your account. You can make as many payments as you wish towards your balance, so you can thrown whatever spare cash you have at it as. etc 24/7 telephone. In 2018 Vanquis Bank won the Moneyfacts Consumer Award for the Credit Builder Card Provider of the Year. A limit isn't a status symbol or something to be proud off. For further details, please refer to your credit card terms and conditions. Bear in mind that. payday loans (and other products from commercial lenders) borrowing money from family or friends. 5% of how much you owe (usually including any interest or charges, such as late fees) or £5 to £25, whichever is higher. Eligibility responses become give within 60 seconds. To use Google Pay, you must have: a valid Google Account. First, you have to complete a 4 step process to restrain your eligibility. 9% (variable) p. 5 million people get the credit they deserve! 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. Make payments and set up automatic payments. It is at the higher end of the scale of APRs for credit builder cards and has, obviously, substantially higher rates than for prime credit cards. After application, credit cards typically arrive at 2 weeks and can after be used included the same. Terms are below. You can do this by using your card in-store for a Chip and PIN transaction. 34. Credit limit Minimum credit limit: £500: Maximum. Download it now and take advantage of these features and more. 12. CONC 5. 1. Build your credit score with a Vanquis credit card. Credit cards. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Just unlock your device and hold it over the payment terminal. 7 stars on Google Play, based on over 172,000 reviews. I've loved the ease of this card since day one. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Enter your details and apply for a Vanquis credit card. Build your credit score with a Vanquis credit card. Loans Customer Services: If your loan agreement number starts with 1 call 0333 003 5803. Using the Vanquis Bank App. You need to be the main cardholder in order to login. Receive your £25 credit. Report your card lost or stolen. Vanquis wanted my bank details before being accepted. I know that were I to have bought the ticket with my debit card then I would have been refunded the amount. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Late payments can show up on your credit report so if you. 9% APR (variable). Build your credit score with a Vanquis credit card. Help with making payments to your credit card. I am a former Vanquis customer, had a credit card between 2010-2014. Vanquis Credit Card is offering £25 Credit for signing up via a Referral Link and making a transaction of £1 or more. I have the Gold Vanquis card, and my limit is £3k. I've been considering applying for a credit card for a while, and the Vanquis card appears to be a good way to build up my credit rating (the APR is 39. Download it now and take advantage of these features and more: Verify online purchases. Credit is only available to UK residents at least 18 years old, and who aren’t legally restricted from getting credit, for example because of bankruptcy. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Build your credit score with a Vanquis credit card. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. Address: Credit card providers ask for your current address. Learn about why your acknowledgment limit may take decreased, how it hits your loans score, method go mindern the impact of a decreased believe curb. Build your credit score with a Vanquis credit card. After login, credit cards usually arrive within 2 weeks both can then be used in and same way while any credits card. In some circumstances it can be a good idea and. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. 6. 9%, but you may be offered a rate as low as 27. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Follow the instructions to complete your payment. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Credit cards with travel insurance comparison table. Vanquis is a bank that offers credit cards for people with poor or no credit history. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Before you choose a credit card you should be sure about what you need. If the debt had been sold, called a legal. Good evening ladies and gents, I am stumped by a sudden Northhampton CCJ claim from Lowell over a Vanquis credit card from over 4 years ago. 2. Our credit cards are specifically designed to help people rebuild their credit rating by borrowing and repaying small amounts on a regular basis. Here's how the Aquis compares: The minimum credit limit on an Aquis card is £250, which is higher than the £150 minimum limit on Vanquis's Classic card. credit cards for bad credit provide a sensible way for you to stay in control of your money. Update it in the Vanquis App or you can call us. credit cards for bad credit provide a sensible way for you to stay in control of your money. Paid Vanquis twice in one month! I recently received a Vanquis credit card, to help build up my credit, & also to help out during Christmas. credit cards for bad credit provide a sensible way for you to stay in control of your money. If you have a poor credit score you still have a high chance of getting this card and offer. If you do decide to use your credit card on holiday, it can be easy to make some of these common mistakes: Beware of cash withdrawals. Download the Vanquis App to quickly and easily manage your account. There are basic eligibility requirements you’ll need to meet to apply for a Vanquis credit card: You are aged 18 years or over; You have a permanent UK home address; The Vanquis site offers an “Express check” where you can find out in about 2 minutes whether you’re likely to be eligible for a Vanquis credit card, without affecting your. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. 4 Lloyds Bank, Credit Cards. Like it should be. That letter will be a good piece of evidence. Vanquis credit cards are available to people includes a poor credit rating either no credit history and allow these people to, either, have access to credit and to build their credit tally. Report your card lost or stolen. Going back in time but post-University I did have a Vanquis credit builder credit card, they seemed to be one of the few that were open to taking customers with no / bad credit ratings and whilst only having a low spending limit and high APR, it did give an option to obtain credit as a way to help increase your credit score - plus the high APR is. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Check your protection. Vanquis Bank offer of main character of credit joker and thereto is one of and most well known ‘credit builder’ credit map in the GB. Make a transaction of £1 or more (I just topped up my Amazon account by £1 for this but you can also just buy something in any shop (with a value of atleast £1). First, you are to complete a 4 step process to examine your eligibility. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. The card Vanquis Bank is. Add your Vanquis credit card to Google Wallet. If you need local currency, it’s usually best to take this with you. What is the credit limit on Vanquis Bank cards? Vanquis Bank offers a credit limit of between £500-£1,000 on its balance transfer deal, £500-£1,200 on its purchase deal, and £500-£1,500 on its credit builder deal. Wait for the free card to arrive in the post which typically takes up to a few working days to come. Tixy Posts: 31,455 Forumite. You simply tell halifax the vanquis account card number and the amount you want to pay (or enter that info on your halifax online banking). Many customers praised the easy-to-use app and accessibility of the credit card for those with a poor credit score. Vanquis Bank offers a credit limit of between £500-£1,000 on its balance transfer deal, £500-£1,200 on its purchase deal, and £500-£1,500 on its credit builder. Registered number 02558509 England. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Plus spend anything in month 15 and get 25,000 Membership Rewards® points. Should I cancel Vanquis credit card? I have a Barclaycard forward with £1200 limit. You can also get it if you have a good credit rating (I was accepted…Build your credit score with a Vanquis credit card. If you would like to have the Vanquis Credit Card terms and conditions, your statement or other communications sent to you in Large Print, Audio or Braille or information on how to apply for a credit card using an alternative format please. 3 [G] outlines that the assessment the lender needs to complete should be dependent on, and proportionate to, a number of factors – including the amount and cost of the credit and the consumer’s borrowing history. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. I can assure you that no aspect of any Provident-issued credit could ever be considered "competitive" when compared to others - Vanquis's target market is high-risk, and the interest rates and charges reflect that. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. (CONC R 5. My question is, is it wise to use the card abroad? If we want to use it say to pay the hotel in Euros, will Vanquis charge us exorbitant fees in conversion, etc? I'm sure I heard it is best to use a credit card. Build your credit score with a Vanquis credit card. Illustrative example. Credit building credit cards are great if you have a poor credit score. 9% APR. Vanquis Contact Details. Even if you get permission from your IP, you may find it difficult to. If you have no credit history, using credit correctly might see your score improve more quickly. Great tool to start building your credit score, start off with…you can stay in control of your Vanquis Visa credit card wherever you are. You can also use your credit card when travelling or on a holiday. The mobile app from Vanquis has a rating of 4. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Once your transaction has been approved, the contactless feature will be activated. This credit card offers applicants with less-than-ideal credit scores initial spending limits ranging from £250 to £1,500, alongside the chance to increase your. Remember that you’ll need to repay what you owe on the card – at least the minimum payment each. Is anyone with a vanquis credit card having issues with the 'payit' feature via thier app?? I tend to always use it and had been doing without any issues via an iPhone, recently changed to android. Build your credit score with a Vanquis credit card. You can also get it if you have a good credit rating (I was accepted…When I signed up for a Vanquis credit card, I was "encouraged" to take their repayment option plan, even though I have an income replacement policy in place. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). The Vanquis app has a score of 4. Build your credit score with a Vanquis credit card. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. 4. This objectives to help you get used to how a credits card account works. If you find off you are eligible, them can then apply for ampere Vanquis card. 5. " why is my interest rate at 39. If you find out you are eligible, you ability when apply for a Vanquis menu. Steps: Sign up with the above referral link. 2. 2013) to continue with my application for a credit card and I am shocked when he told me that I have been accepted and I will get my credit card within the next 7 working days and my pin number will follow. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Atom Posts: 295 Forumite. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Vanquis is a credit building credit cards under the Visa brand for UK residents with a limited or uneven credit history. So they are legally entitled to close this and leave you with the higher APR (original) card. Make a purchase using the Vanquis card (I just topped up my Amazon account). 9:00am - 4:00pm Saturday. You have to be a UK resident and… PremiumDownload the Vanquis App to quickly and easily manage your account. credit cards for bad credit provide a sensible way for you to stay in control of your money. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Most card companies, along with the banks, are reluctant to lend/increase limits because of the current financial situation. Refer your friends to get a £25 credit when they perform the above steps! Note: Vanquis will do a "soft search" on your credit history when you apply. Applicants with no credit history, poor credit. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Not having a vanquis card, I can't really comment but what i can say is that in the 40+ years I have been using credit cards i have never encountered a situation where interest is charged under the circumstances outlined in the. Update your contact details. Don’t forget; we’re happy to accept applications even if you. Think of your account like the brain that holds all the information and keeps 'account' of everything. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. 99% fee for using your credit card abroad. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Applying used a Vanquis credit card your easy. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Plus, if you plan to spend $10,000 or more on the card in a calendar year, you’ll have a $100 Delta flight credit to look forward to as well. This credit card has a. Download it now and take advantage of these features and more: View your PIN and. Vanquis Credit Card one off payment. Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. Zopa offers a travel credit card that has no fees for overseas spending, but will charge £3 each time you withdraw cash at home or abroad. It increases your purchasing power and provides you with the required funds when needed. Loans available from £1,500 to £10,000, subject to affordability. Credit Cards. If you have bad credit or you are looking to build or maintain your credit, Vanquis can help. See ROP – the refunds are too small. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. After application, credit cards generally arrive inward 2 weeks and can then be pre-owned in the same. As an alternative, you can spend £1 on your first purchase and you will then have a £24 to spend when the bonys comes in. Guidance for new customers or people considering Vanquis. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. Vanquis an easy free £25 on sign up with a £1 spend and £25 on referals. Our credit cards for bad credit provide a sensible way for you to stay in control of your money. You'll be able to: • View your current balance and available. With this in mind, it's best for you to make your repayments in full and on time. When you take one of our credit builder credit cards, we'll start you off with a low credit limit, to help make sure. Paula-sorry i have to disagree Vanquis dont give out their cards willy nilly as i've applied and point blank got refused,i get p**d off with the endless calls and emails from them so i've said as long as they keep sending me emails and calls then i'm going to keep applying. Improve credit score: If you have a bad credit score or no credit history a credit card could help. See up to 12. Still need to speak to us ring on our Customer Service line: 0330 099 3000 *. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. 9% and is still 59. 6 stars on TrustPilot (24,000 reviews – Jan 2022).