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- Compare our credit cards | apply for a credit card
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- Holiday credit cards
- How to apply for a credit card
- How to get a credit card for new UK residents
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- Modern Slavery Act statement
- Privacy notice
- PSD2 and Open Banking
- Rewards cashback terms and conditions
- Savings terms and conditions
- Soft credit search terms
- Terms of use
- Useful corporate links
- Vanquis Bank Florida Prize Draw – Terms and Conditions
- Vanquis Credit Card April Cashback Offer Terms and Conditions
- Vanquis Credit Card April Cashback Offer Terms and Conditions
- Vanquis Credit Card April Cashback Offer Terms and Conditions
- Vanquis Credit Card April Cashback Offer Terms and Conditions
- Vanquis Credit Card April Purchase Offer Terms and Conditions
- Vanquis Credit Card April Purchase Offer Terms and Conditions
- Vanquis Credit Card April Purchase Offer Terms and Conditions
- Vanquis Credit Card April Purchase Offer Terms and Conditions
- Vanquis Credit Card July Cashback Offer Terms and Conditions
- Vanquis Credit Card July Cashback Offer Terms and Conditions
- Manage your account
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Articles
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- Benefits calculator
- Contactless payment guide
- Credit card advantages
- Credit card charges and fees explained
- Credit card interest calculator
- Credit card minimum payments
- Credit card numbers explained
- Credit card vs debit card
- Differences between hard and soft credit checks
- Do late payments affect credit scores?
- Guide to credit card statements
- How card-reliant is your area
- How many credit cards
- How to cancel a credit card
- How to choose the best credit card
- How to cut your household bills
- How to pay off credit card debt
- How to switch credit cards
- Improve your credit score
- Impulse spending UK
- Instant decision credit cards
- Salary taboo
- Support beyond us
- The cost of friendship across the UK
- The hidden cost of university
- Vanquis Credit Card app
- Ways to borrow safely
- What are credit card interest rates?
- What are money transfer credit cards?
- What are the different types of credit card?
- What is a balance transfer? A simple guide
- What is a CCJ?
- What is a credit builder credit card?
- What is a credit limit?
- What is a personal loan?
- What is a secured credit card?
- What is adverse credit?
- What is an APR?
- What is an IVA
- When were credit cards invented?
- Why can’t I get a credit card?
- Corporate News
- A third of UK workers under £40k having to create side hustles to make ends meet
- British workers save just 1% of their pay as living costs continue to outpace income
- CEO Ian McLaughlin joins the UK Finance Board
- FCA variable commission announcement
- First quarter trading statement 2024
- First quarter trading statement 2025
- First quarter trading statement 2026
- H1’24 interim results for the six months ended 30 June 2024
- Market update ahead of strategy seminar
- New Non-Exec Directors Karen, Oliver and Jackie
- Non-Executive Director changes
- Preliminary results for the year ended 31 December 2023
- Results for the year ended 31 December 2024
- Results for the year ended 31 December 2025
- Snoop launches free credit score service in partnership with Equifax
- The heart of working Britain: Financial life for workers earning up to £40K a year
- Third quarter trading statement ’24
- Third quarter trading statement 2025
- Update ahead of interim results for the six months ended 30 June 2024
- Vanquis Banking Group full year trading update
- Vanquis Financial Wellbeing Index Q125
- Vanquis Financial Wellbeing Index Q325
- Vanquis launches benefits checker
- Vanquis wins two major awards at the Euromoney Awards for Excellence 2026
Help Center
- Help Center
- Credit cards
- Activate
- Apple Pay and Google Pay
- Can I add my Vanquis card to my Android watch?
- Can I add my Vanquis card to my Apple Watch?
- Can I use Apple Pay abroad?
- Can I use Google Pay abroad?
- How can I check if my card is in the digital wallet?
- How do I block Google Pay if my device is lost or stolen or someone has accessed it?
- How do I remove my card from Google Wallet?
- How do I remove my Vanquis card from Apple Wallet?
- I tried to add my card to Apple Wallet. Why didn’t it register?
- I tried to add my card to Google Wallet. Why didn’t it register?
- I tried to get a one-time passcode to register for Apple Pay but it’s expired. What should I do?
- I’m an additional cardholder. Can I add it to Apple Pay?
- If I get a new card, do I need to update Google Wallet?
- What do I do if I lose my iPhone and my Vanquis Credit Card is registered to the Apple Wallet?
- What happens to my Vanquis card in Apple Pay if I get a new phone/device?
- What should I do if my card is in the Google Wallet and I get a new phone or device?
- Why does my Vanquis Credit Card look different in my digital wallet?
- Would you ever call me to set up a digital wallet over the phone?
- Balance transfers
- Can a balance transfer request be declined?
- Can I lose my balance transfer rate?
- How do I pay off my balance transfer?
- How long does a balance transfer take?
- How many balance transfers can I request?
- I requested a balance transfer. Can I cancel this?
- Is there a fee if I transfer a balance to my credit card?
- What are the minimum and maximum amounts for a balance transfer?
- What happens at the end of my balance transfer period?
- Which cards can I transfer a balance from to Vanquis?
- Why don't I have a balance transfer offer?
- Card details
- Card issues
- Can I change my PIN number?
- Do you have a live chat service?
- How do I freeze my card?
- How do I get a PIN reminder?
- How do I report my card lost or stolen?
- I'm trying to Freeze my card but it says there's an error. Can you help?
- My card has been locked due to too many failed PIN attempts can you help me?
- My card is damaged. How do I get a new one?
- My card's been stolen. What do I do?
- My credit card has expired. Why have I not received a new one?
- My new card has not arrived. What should I do?
- What should I do if the cash machine has retained my card?
- Why does my app homepage say my account is locked?
- Why was my card declined when trying to withdraw cash?
- Complaints
- Credit limits
- How can I increase my credit limit?
- How can I reduce my credit limit?
- How do I accept a Credit Limit Increase in the new app?
- How do I opt out of receiving credit limit increase offers?
- I chose the wrong Credit Limit Increase preferences. Can I change this?
- I’ve been offered a credit limit increase. How do I decline it?
- I've accepted the offer of a credit limit increase. When will it show on my account?
- What does an income and expenditure form mean?
- What is a credit limit increase and how do I request one?
- What's a credit limit decrease and how do I request this?
- Why are you texting me to tell me how much of my credit limit I’ve used?
- Why has my credit limit increase request not taken place?
- Why have you reduced my credit limit?
- Declined transactions
- Direct debits and debit cards
- Fees and charges
- General card use
- Can I add an additional person to my account?
- Can I decide where and how I use my card?
- Can I find out my credit card number if I don't have my card?
- Can I make contactless purchases with my card and are there any limits?
- Can I spend on my new card before it arrives?
- Can I use my card abroad?
- Can I use my credit card to pay at the pump for fuel?
- Can I withdraw cash using my card?
- Have my PIN or card details changed with the new app?
- How can I approve an online purchase?
- How do I report my card lost or stolen?
- How does the Vanquis Credit Card help me build my credit rating?
- I have available credit and am making payments. Why can't I use my card?
- I haven’t used my card recently. Is it still active?
- I repaid my card balance through a debt collection agency. Can I use my card again?
- I set up some spend controls on my card. Can I change those settings?
- I'm back within my credit limit. Can I now use my card?
- My account is now up to date, can I use my card again?
- My payment plan has finished. Can I use my card again?
- What should I do if I'm having trouble paying my credit card?
- What's a cash transaction?
- Holidays
- Interest
- Money transfers
- Overpayments
- Payment clearance times
- PIN issues
- Purchase queries
- Statements
- Transaction queries
- How can I stop a company from taking recurring payments from my credit card?
- How do I cancel a pending transaction?
- How do I check my transactions in the app?
- How do I dispute a transaction in the app?
- How do I request a refund on my account?
- I made a purchase, but the goods didn’t arrive or were faulty. What should I do?
- I’ve raised a transaction dispute. What happens next?
- What does pending mean?
- What should I do if a transaction is showing twice on my account?
- Ways To Pay
- Manage your account
- Accessibility
- Can I deal with Vanquis face-to-face?
- Can I receive my credit card statements in large print, audio or braille?
- How can you support me if I have accessibility needs?
- How do I contact you if I'm hard of hearing or have a speech impediment?
- I am blind or partially sighted, how does the newly designed Vanquis credit card help me?
- I have additional needs. How can I tell you about them?
- Close account
- Personal information
- Can I change the title on my account so it's not gender-specific?
- How can I opt out of receiving marketing communications?
- How can I update my address?
- How do I change my email address?
- How do I change my name on my account?
- How do I change my telephone number?
- How do you use my personal info?
- I’ve submitted my address change and documents. What happens next?
- I'm trying to change my address in the app and I've been asked to upload documents. Why is this and what documents do I send?
- Accessibility
- Mobile app
- App benefits and general queries
- Can I opt out of the Florida Prize Draw competition? And could I ever opt back in later?
- Can my additional cardholder use the new app?
- How do I change my cashback preferences or deactivate it?
- How do I find the App Terms of Use or Privacy Policy?
- How do I redeem my cashback balance?
- How do I report my card lost or stolen?
- What's included in the prizes and how will I find out if I have won?
- When does the Florida prize draw competition start and how do I enter?
- Why is cashback currently showing as unavailable in my app?
- App registration
- How do I photograph my documents?
- How do I swap the Vanquis app from my old phone to my new phone?
- I have questions about taking a selfie to register. Can you help?
- I was using the app but it says I have to take a photo of my documents again. Why is this?
- I’m having issues with the email verification link. Can you help?
- I’m trying to register but you can’t find a matching account. Can you help?
- I'm trying to register or reset my passcode, but I'm not getting the SMS with the verification code. Can you help?
- Verifying with your card number and PIN
- When I tap the link in the email to verify my email address, the app tells me it's expired. What should I do?
- Logging in and using the app
- Can I change my selfie photo?
- Can I turn my login biometrics on and off?
- Can I use the new app on a second device?
- How do I delete the Vanquis app from my phone?
- How do I log out of my account?
- How do I use the new app to identify myself if I call Vanquis?
- I have feedback on the app. How can I share it?
- I was using the app but it says I have to enter my passcode again – why is this?
- I was using the app but it says I have to take a selfie again. Why is this?
- I'm being advised I need to update the app but I can't. Can you help?
- Now I am using the new app, can I delete the old one?
- The app says there’s scheduled maintenance. What does this mean?
- What happens if I am registered for the Vanquis app and I lose my phone?
- When I open the app it says there's been a problem. What does that mean?
- Why shouldn’t I have multiple people's fingerprints registered on my device?
- App benefits and general queries
- Protect yourself from fraud
- Contact methods
- One Time Passcodes
- Protecting your account
- How do I report fraud?
- I'd like to report an issue with a transaction. Can you help?
- I've have had a Vanquis account opened in my name . What should I do?
- What can I do to protect my credit card from fraud?
- What is a digital wallet scam?
- What is a parcel delivery scam?
- What is a purchase scam?
- What is a remote access scam?
- What is a romance scam?
- What is a social engineering scam?
- What is an impersonation scam?
- What is an investment scam?
- What is Mitek and is it secure?
- What is Take Five?
- Who is Cifas?
- Unfamiliar transactions
- Savings
- Managing your savings
- How do I add another account holder to my savings account?
- How do I log in securely to my savings account?
- How do I print a copy of my savings statement?
- How do I update my personal details on my savings account?
- How do I withdraw savings from my account?
- I have a savings account with you. What is a nominated account?
- I've forgotten some of my login details for my savings account. Can you help?
- If I need help applying for a savings account or managing it, can you support me?
- If someone knows my savings login details, what should I do?
- What happens when my fixed rate bond matures?
- New savings customers
- Are Savings with Vanquis Bank Limited protected by the Financial Services Compensation Scheme (FSCS)?
- Can I open a joint savings account?
- Can I open more than one savings account?
- Can I transfer my cash ISA from another provider?
- How do I open a savings account under Power of Attorney?
- If I applied for a savings account, can I change my mind?
- What is a personal savings allowance?
- Where can I find more information on your savings products?
- Savings interest
- Savings support
- Managing your savings
- Snoop
- Support and wellbeing
- Bereavement
- Money worries
- Can I speak to someone about my Promise to Pay?
- Can Vanquis help customers with health issues?
- Can you tell me more about Promise to Pay?
- Could Vanquis help if I have a gambling addiction?
- Do Vanquis sell customer accounts to third parties?
- Do Vanquis use debt collection agencies?
- How will you contact me if I'm in persistent debt?
- I have a concern about the card you gave me, which I can’t afford. Why raise it with you not a claims management company?
- I need help with my spending. What can I do?
- I'm having financial trouble. Can you help?
- I'm worried about my finances can you help?
- Want to feel on top of your finances?
- What does recommended payment mean if I am in persistent debt?
- What happens if I go over my credit limit or miss a payment?
- What is financial abuse and could Vanquis help me if I’m affected?
- What is persistent debt?
- What should I do if the account holder is in prison?
- Where can I get support if I have money worries?
- New customers
- How does the Vanquis Credit Card help me build my credit rating?
- I applied for a credit card and gave the wrong info. What should I do?
- I requested a new card, how long will it take to arrive?
- I’ve been accepted for a credit card. When will I get my card and PIN?
- If I change my mind, can I cancel my credit card application?
- My credit card application was not accepted. Can you tell me why?
- My credit card application was referred. How long will it take?
- Who can certify a document for proof of identity or proof of address for a credit card?
- Credit cards