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Vanquis Credit Card Review
Summary
If you have applied for credit cards in the past and been refused, even by some of the bad credit card issuers Vanquis could have a solution.
The abacus card from vanquis is available to people who have no credit history so if you need your first credit card to build up your credit rating this could be for you. If you have had bad credit in the past, even if you have had CCJ's Vanquis could help!
Of course the interest rates on the card reflect the nature of the product and with an APR of 39.9% it is a card to use with caution to rebuild your history, but if you need a credit card and have few options this could be a great deal. There is no annual fee and you get up to 56 days interest free if pay your bill off in full each month.
Details
| Introductory Balance Transfers | n/a |
| Monthly Rate | n/a |
| Period | n/a |
| Introductory Purchases | n/a |
| Monthly Rate | n/a |
| Period | n/a |
| Standard APR | 39.9% (typical) |
| Monthly Rate | 2.84% |
| Cash Advance APR | 46.19 % |
| Cash Advance Fee | 5% (Min £2.50) |
| Minimum Payment Required | 3% (Min £5) |
| Annual Fee | None |
| Loyalty Points | None |
| Travel Accident Insurance | None |
| Free Purchase Protection | None |
| Foreign Usage Fee | 2.75% |
Other Vanquis Credit Card Features and Benefits
- No annual fee
- Up to 56 days interest free on purchases
- Full Visa card
- Chip and Pin
Vanquis Credit Card Verdict
The Vanquis Abacus card is one the best options if you have no or poor credit - even if you have CCJ's or other financial problems in the past. A great first step in repairing your credit history!