Check you’re eligible for a credit card before applying
With the Vanquis eligibility checker, you can find out in minutes if you’re likely to be accepted for a credit card. Plus, it won’t affect your credit score.
Representative 37.9% APR (variable)
How to check your eligibility
Seeing if you’re eligible for a Vanquis Credit Card has never been easier.
To check your eligibility and discover what a Vanquis Credit Card can do for you, simply fill in our quick and easy form and get started today.
Representative 37.9% APR (variable)
Why check your credit card eligibility before applying?
To let you know if you can be accepted for a credit card, we first need to look at your financial background. That’s why we ask you to complete our free eligibility check.
Our eligibility checker takes the guesswork out of applying – you’ll know instantly if you’ll be accepted for a Vanquis Credit Card. Also, you’ll be able to see what rates and APRs are on offer.
We do a free ‘soft credit check’ that doesn’t impact your credit score, letting you get all the important info you need – like interest rates, credit limits and repayment criteria – before you commit to an application.
What info do you need to check my eligibility?
To see if you’re eligible for a Vanquis Credit Card, we’ll need your:
- Personal details - including your full name and date of birth
- Address details and residential status
- Contact details (email address and at least one phone number)
- Employment status and income - including proof of any wages, benefits and pensions you receive
I've checked my eligibility - what's next?
After you complete the eligibility check, we’ll quickly let you know if you qualify for a card.
If you’re eligible, you’ll be offered a credit card and given details like the Annual Percentage Rate (APR), credit limit and repayment options. This way, you’ll be fully in the know.
If you’re happy with what we’ve offered, you can go ahead and complete your application for a Vanquis Credit Card.
In some cases, you may need to provide further info and your application will be referred to our specialist team. Just so you know, they’ll get in contact with you and you won’t need to re-enter any personal details.
If you’re not eligible for some of our cards, don’t worry. There are other ways to get you started on your credit journey.
The Vanquis Credit Builder Credit Card is a good option for those with bad or no credit. Use it responsibly and you can build, boost and maintain your credit score over time.
Check your eligibility
Our quick and simple 4-step eligibility checker can help you find out if a Vanquis card is right for you.
Representative 37.9% APR (variable)
Snoop our money-saving app
You could also try Snoop, the money-saving app from Vanquis. It’s designed to help you take control of your finances, improve your monthly budgeting, save for the future and make the most of your money. Snoop is free to download and use.
How can I improve my chances of being accepted?
There are quick and easy changes you can make to increase your chances of being eligible for a Vanquis Credit Card.
Here are some of the things you can do:
Limit your number of hard credit checks
Free soft credit checks don’t harm your credit file. But it’s possible you could have a ‘hard search’ done on you if you use another provider. So, it can be important to do as much research as possible and not commit to multiple ‘hard credit checks’ in a short space of time.
Pay your loans, credit card statements and bills on time
Credit card holders who can show they pay their bills on time are more likely to be accepted for credit cards and loans in the future. This is because they’re often seen as less of a risk. So, it’s important to keep on top of your repayments.
Keep your address details up to date
Although moving house doesn’t directly hurt your credit score, not updating your entry on the electoral register might. Keeping your info up to date can help confirm you are who you say you are and it should make sure your details are accurate.
Use your credit wisely and responsibly
Frequently paying late or going over your credit limit can negatively impact your credit score. It’s important to only spend what you can afford to repay and stay within your limits.
Frequently Asked Questions
How does a credit card eligibility checker work?
When you’ve sent us all the necessary details, we’ll then do an eligibility check to see if we can accept you for a credit card.
An eligibility check simply reviews your credit history alongside our own criteria to see if you can afford the proposed repayments, interest rates and credit limits.
If you’re eligible, you can then complete your application. You’ll receive your card and PIN in the post. If you’re not eligible, there are other ways to repair or build your credit score.
Does checking my eligibility impact my credit score?
Hard credit searches appear on your credit report and can be visible for up to two years.
Before you enquire about a credit card, or apply to have a credit check done on you, make sure the checks are ‘soft searches’ and don’t hurt your credit score. It might also be a good idea to consider limiting the number of ‘hard checks’ to minimise the impact on your score.
Am I eligible for a credit card if I have bad credit?
Yes, you may be still eligible for other Vanquis cards if you’ve previously been rejected.
If you have a poor credit history (or no credit history), a lender may still offer you a credit card with an increased APR or lower credit limit. But they may also refuse your application.
Lenders may have other options for those with poor credit scores – like credit cards designed for bad credit or even credit builder cards for those looking to get started or repair their scores.
Why do people get rejected for credit cards?
People who apply for credit cards and get rejected may be declined for several reasons.
Some of these include:
- Having a limited or poor credit history
- Making too many late payments or having too many outstanding payments
- Making too many applications for loans and credit cards
- Errors on their credit file
- Mistakes on their application form
- They’re not on an electoral register
- Their income is too low or there’s a history of inconsistent employment
- They’re legally restricted from getting credit – for example, due to bankruptcy