Vanquis Bank Credit Card

Provident Financial plc  is a financial services group based in Bradford, UK. It specialises in Home Collected Credit (HCC), but also owns Vanquis Bank which offers credit cards. Its market is among the 10 million people in the UK who have difficulty getting mainstream credit, and its biggest business is lending to people in their homes via a network of doorstep agents. Vanquis Bank’s products serve customers ranging from those who have had credit problems in the past, to those completely new to credit, are self-employed or have a low income. Their aim is to provide a range of credit cards that give customers the options they deserve.

Vanquis Bank is a responsible lender and they provide their customers with support, and put in place credit limits that assist in controlling their spending. Vanquis Bank do this by being transparent about their products and pricing, and providing high levels of customer service.

Vanquis is a specialist lender providing credit to an underserved market. The Vanquis Credit Car has no annual fee, op to 56 days interest free on purchases. The customer has the option of adding an additional cardholder plus free fraud monitoring at no additional cost – Vanquis Bank warns customers of any suspicious activity on their account. The card is of Chip & PIN technology for added
security whenever a Vanquis card is used. Visa is widely accepted in the UK and abroad and Vanquis offers the convenience of paying online and by telephone banking.

A friendly and dedicated UK customer call centre is there to offer help and advice.

As a provider that is specifically geared towards servicing customers with previous credit problems or little or no credit history our higher APR’s reflect the additional business risk posed by this area of the consumer market. The rate is Typical 39.9% APR variable.