Vanquis is a credit card specialist offering credit to people who have had trouble being approved for a credit card in the past, either due to bad credit history, or low annual income. Some people go to Vanquis in order to improve their credit history, as it is very hard to repair a damaged history without showing that you can be trusted.

Vanquis credit cards may not seem to offer competitive rates when compared to the rest of the credit card market, but this is due to the banks having to take more risk as its clients tend to have a bad track record, or have no credit history.

The great thing about Vanquis credit cards is that you never even have to think about the high interest rates, as long as you always pay off the balance in full before reaching the interest free days limit. This gives you the flexibility to use your card, whilst building up a good credit history at the same time.