Vanquis have emailed to say they will increase my limit to £1000 at the end of September. Borrow from £1,500-£10,000 subject to affordability. You can't ask for a Credit Limit Increase (CLI), but we'll automatically review your account every month and let you know if you're eligible. Bank Transfer: Payment through Faster Payments to Vanquis will be visible the same evening, at approximately 22:00 - 23:00. Bottom Line: Customers can use the Marbles card, like other credit-builder cards, to improve their credit history over time. Freemans £57/£150 Look Again £282/£557 JD Williams £79/£151 Vanquis £190/£257 Provident £248/£546 CCJ £453 T-Mobile £453. If making minimum payments is becoming difficult, please ring us on 0330 099 3000 to discuss your situation. To build your credit rating and be. You can’t request an increase, but we’ll let you know when you’re eligible in the app, via SMS or email. The Group’s credit card business has been operating since 2003 under the Vanquis brand and has been a key part of our Group since 2013. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Vanquis emailed offering credit limit increase from £500 to £1250 today so I clicked online to accept it and they asked for income and expenditure details. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Would it make my credit history look any better to accept? Here's how the Aquis compares: The minimum credit limit on an Aquis card is £250, which is higher than the £150 minimum limit on Vanquis's Classic card. Vanquis Bank can be contacted at its registered office, which is at No. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This aims to help you get used to how a credit card account works. Hi guys. If you use a debit card for your payment, your balance will update within 2 working days. UPDATE In summer 2018 the first refunds were credited to people’s accounts. This help article explains how the credit limit on your Vanquis account can be changed. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. You can get increases every 4 months, up to £3000, conditions apply * * To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your limit, and not taking on too much debt elsewhere. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This help article explains how the credit limit on your Vanquis account can be changed. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Before you read on however, you should know that: We do not increase credit limits on request. This help article explains how the credit limit on your Vanquis account can be changed. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. 18. Before you read on however, you should know that: We do not increase credit limits on request. Initial credit limits vary from £200 to £2,000. With you find out you are eligible, you can then apply with a Vanquis card. Note: You may. 5% variable APR. Hi All, I was wondering what is highest credit limit that one could progress on to on a Vanquis card. Having trouble? Contact 0330 099 3000*. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,000 (Subject to affordability) Fees: There is no annual fee: Charges: 1. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Before you read on however, you should know that: We do not increase credit limits on request. Vanquis reached credit limit card declined. Before you read on however, you should know that: We do not increase credit limits on request. Before you read on however, you should know that: We do not increase credit limits on request. This aims to help you get used to how a credit card account works. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. * To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. Make sure you continue paying at least the minimum monthly payment on your credit card. 29% of the outstanding balance on a customer's. Read our credit card guides to help you better understand credit cards and choose a card to suit you and your needs. Back to navigation. Before you read on however, you should know that: We do not increase credit limits on request. Last month I spent alot, but well within the limit - paid of the full amount on Monday (three weeks early) and for 85p more than the statement - today they blocked my card, which I only found out about at the supermarket checkout. AnswerThePublic listens into autocomplete data from search engines like Google then quickly cranks out every useful phrase and question people are asking around vanquis on 01 Oct. A credit mapping for those with bad loans who want to rebuild their account rating. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. We'd like to apply your credit limit increase by 23rd January 2020 provided your account is being managed well. The OFT Irresponsible Lending Guidance applied to Mr H’s first credit limit increase. A balance transfer lets you use the credit available from your 118 118 Credit Card to pay off the balances on one or more other credit cards. Vanquis Bank can be contacted at its registered office, which is at No. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,500 (Subject to status) Fees: There is no annual fee: ChargesYou've now used roughly 66% of your available credit and, in turn, increased your credit utilization ratio. , like other cards offered by Vanquis, use the Visa credit card network. Today's limit is £2250. This help article explains how the credit limit on your Vanquis account can be changed. Terms apply. It's a good idea to check your credit limit preferences in case you opted out of offers in the past. 9% APR, when closed three years later was on £3,000 limit 69. I have 1 default witch comes off in august but thats it, all other balance's like catalogues and contract phones all paid on time. I have NEVER cleared my balance, my card is maxed and I have always payed minimum monthy payments. If you’re close to the credit limit on these agreements, your score may also be affected. As a fresh customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Owen_Kent Posts: 270. I've had various fixed rate bonds with Vanquis since 2013 and I have never had a problem. Started £250 limit 59. Most recently we’ve acquired Snoop, a platform which provides data-driven, personalised insights (or. Enter thy card number and select option '5' to select the preferences that best fortsetzen you. Balance Transfers (applicable to the introductory 0% promotional offer available within 60 days of. This aims to help you get used to how a credit card account works. 2 million customers about £169 million in refunds and a further fine of £1. 99%: Cash Withdrawal Fee: 3% or £3, whichever is greater. Build your credit history. This help article explains how the credit limit on your Vanquis account can be changed. 1Aand 2. Unlike a bank account which updates in real time. Your code is the last 14 characters after detailed in your letter. Get £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. Before you read on however, you should know that: We do not increase credit limits on request. Our app also makes it easy to track your spending to help you stay within your limit. I took my card out in 2015 and the credit limit increased from £750 to £3500. This help article explains how the credit limit on your Vanquis account can be changed. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. For further details, please refer to your credit card terms and conditions. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. . tAre will give you not less than 30 days' notice if we propose to increase your Credil Limit. Applied for a vanquis card yesterday and got a call from them today on my mobile telling me that I have been accepted for their credit card !!The minimum payment amount is a percentage of your total credit card balance. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. Its showing a debt of 386 of a 500 limit, for the last 3 months (it was paid immediately). So many people with these bad/no credit history cards, seem to be obsessed with limits, that's why so many of them, simply end up with £2k + balances paying £100 off, but being charged £70 interest each month. 0. £200 to £1,500 credit limit. Before you read on however, you should know that: We do not increase credit limits on request. I had a multi-year bond with it and it was fine, with interest paid on time evey month to my nominated account and I don't remember any hassles on maturity. The card does the job but the high APR could be lowered, however the call centre staff are very friendly and helpful every time I ring. Registered number 02558509. 11 September 2010 at 11:26PM. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. At first I used to pay my balance off in full each month but after the 4th month statement when I expected my. 2 June 2013 at 7:23PM in Credit cards. fixed. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This aims to help you get used to how a credit card account works. Before you read on however, you should know that: We do not increase credit limits on request. Find the best insurance deals since them and discover what you need to know, whatever your. 9% APR - well above average even in this sector. By default we will generate printed statements and send these to you through the post but if you prefer you can opt to receive electronic statements from us via email. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. The a liable lender we want to be sure you can comfortably manage my repayments. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. You'll be able to: • View your current balance and available spend. It's a good idea to check your credit limit preferences in case you opted out of offers in the past. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. As you haven't made a new credit application there won't be a new enquiry on your credit report, if you don't accept the increased limit the offer will never show on your credit report so not accepting it will have no impact on your credit report at all. This aims to help you get used to how a credit card account works. But this is unfair. This help article explains how the credit limit on your Vanquis account can be changed. . Your credit limit can rise to £4,000. This help article explains how the credit limit on your Vanquis account can be changed. This will build your history over time and improve your score. Emergency Fund Savings £1002/£2000. This aims to help you get used to how a credit card account works. Your Journey to Credit Limit Increases with Vanquis Plan your route to a higher credit limit milestone by milestone. the only one that has increased is vanquis Save £300 in Jan £515/£300-Lose 10 lbs in Jan- 8/10, Cap One M/C £0/£200 , Cap One Visa £0/£200Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. With interest rates generally over 30% +, you'd be crazy to spend large amounts and leave a balance on it every month. 1) Your credit is not so good so your limit is £250. • Set up and manage Direct Debits through. The OFT Irresponsible Lending Guidance applied to Mr H’s first credit limit increase. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. We do non increase credit limits on demand. You just need to talk to Vanquish and explain the situation, once you confirm there is no fraud on the account they will open up the account for activity again. Bad credit + no interest = too risky to give you more credit. We could say yes to a loan, even if a bank has said no. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. However, 18 months on and I have had the APR on my Vanquis card increase 4 times and now stands at 55%!!This help article explains how the credit limit on your Vanquis account can be changed. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Sometimes in life the things we want are beyond our credit. , your representative rate is 34. Good for. Have you been mis-sold credit von Vanquis credit card in the past? You could be entitled to a loan card refund. I was utilizing it by anywhere from 20% to 90% and paying the balance in full after issuing the statement, so no interest to be paid. This month, again I was close to the limit. , by staying within your credit limit and making at least your minimum payment on time), you may be eligible for credit limit increases every fifth month up to £4,000: Transaction Fees: Non-sterling transaction fees of 2. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Like it should be. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 9% APR (variable). If we vary your minimum payment we will write to you to tell you. Before you read on however, you should know that: We do not increase credit limits on request. It will also include any fees you need to pay and the interest charged on your account since your last statement. 1A You may request an increase in your Credit Lirnit at any time but we are not obliged to grant it in full or in part. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9%. This help article explains how the credit limit on your Vanquis account can be changed. You are now on track to rebuilding your credit and starting your journey to a higher Credit Limit. Vanquis Bank can be contacted at its registered office, which is at No. When it comes toward your credit limit, it shoud think about these three different amounts: Credit limit This is the best amount available to use on your credit. A limit isn't a status symbol or something to be proud off. Not had a single increase in credit limit or been contacted about one. Vanquis offers a range of credit card products, unsecured personal loans and savings products. This aims to help you get used to how a credit card account works. This aims to help you get used to how a credit card account works. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. Can I request a credit limit increase? You can't ask for a Credit Limit Increase (CLI), but we'll automatically review your account every month and let you know if you're eligible. Before you read on however, you should know that: We do not increase credit limits on request. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. a. See ROP – the refunds are too small. Before I get to Vanquis I know that credit scores are not the be-all and end-all but I am working on improving mine in the hope of buying my first home in the future. Say hello to better credit, and better banking. It is important that we look at your wider finances when deciding whether to give you a Credit Limit increase. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Your credit score will likely drop until you get your balance at that 30% or below. It primarily services customers with a sub-prime credit history who have been declined for credit from mainstream lenders. I have a Vanquis credit card with a £1250 limit, in which i cleard the balance 3 weeks ago so i have £1250 available. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Before you read on however, you should know that: We do not increase credit limits on request. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9% APR, we recommend trying to pay down your full balance every month. This aims to help you get used to how a credit card account works. If you transfer a balance to a simple monthly fee card, you won't pay any additional interest or handling. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Apply now. credit limit Know your credit limit. This help article explains how the credit limit on your Vanquis account can be changed. a. For some customers, especially those offered an increase within 12 months from account opening. Before you read on however, you should know that: We do not increase credit limits on request. Your credit limit. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 29% of the outstanding balance on a customer's. Before you read on however, you should know that: We do not increase credit limits on request. The good news is that your lender might increase your credit limit if you make repayments on time each month. An increase in income means you’ll be able to cover an increase in credit card expenses. Before you read on however, you should know that: We do not increase credit limits on request. We bought a flight tickets for £460 and was paying off £100 a month. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. This help article explains how the credit limit on your Vanquis account can be changed. Our most popular card with over 4 million people accepted. A credit limit includes any new purchases, old purchases that haven’t been paid off and any balance. Do I accept or not? I don't need an increase & I spend between £100 - £200 a month & pay in full. write a review. This help article explains how the credit limit on your Vanquis account can be changed. The earned income tax credit (EITC) for the lowest income bracket in the 2024 tax year has a maximum credit of $7,830 for three or more children — an increase. 1. • Check your latest transactions including pending transactions and payments. Every card has specific consumers. You'll be able to: • View your current balance and available spend. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. My wife had a vanquis card which started with £300 limit, within a couple of months they increased it to £1500 and gave her a gold card. Follow the instructions to complete your payment. Like it should be. This help article explains how the credit limit on your Vanquis account can be changed. This aims to help you get used to how a credit card account works. 8% on purchases is around 10 percentage points lower than the Vanquis Classic Visa. For example, if you only make $20,000 per year, do not expect your credit limit to be increased to $15,000. This aims to help you get used to how a credit card account works. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This aims to help you get used to how a credit card account works. For people with bad credit or building credit. 9% in August so he opted out and closed the account. Vanquis Bank can be contacted at its registered office, which is at No. Every transition is assigned a fraud rating and depending on spending patterns a rating can hit a threshold and cause the around to be temporarily blocked. Know your credit limit. 5 percent APR which is variable for different conditions. That's 40% per year, not unreasonable for small amounts and/or for short periods. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 3. This help article explains as the credit limit on your Vanquis account can be turned. Terms apply. They initially gave me a credit limit of £250, which was fine, I spend a little and clear the balance in full everymonth. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. So I have had the vanquis card for 14 months now and still only have a £250 credit limit. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Some people seem to get increases quite often and others not that often at all, I am hoping that my increases are frequent as I have just been accepted and getting a bit bored with credit cards with rubbish limits, had my capital one 7 months and no increase from £200 and vanquis starting me off at £250. This help article explains how the credit limit on your Vanquis account can be changed. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This aims to help you get used to how a credit card account works. Stay in control of your account with online servicing, a mobile app, SMS and email. Changing your credit limit. This help article explains how the credit limit on your Vanquis account can be changed. Because of Covid-19 I was unable to use my monthly bus pass and requested a refund from the bus company. The man stated, “So I got this £4,121 cheque. Terms apply. Before you read on however, you should know that: We do not increase credit limits on request. By card issuer we mean the bank, building society or credit provider, such. . 21 March 2007 at 2:32PM. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. [2] It also offers fixed-rate and notice. Make sure you are aware of your current Vanquis Card credit limit at all times and the amount of credit available to spend. No card fees: Vanquis does not charge customers monthly fees to use its cards. * To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. I went from £250 in Feb'09 to £500 to £1250 to £1500 to £2250 @ 47% at the moment (I know the APR is scary, but never paid any interest (ignoring the 16p min. The cheque contained the text “For and on behalf of Merton Europe Limited”. Whilst this is an incredibly expensive way to borrow it is cheaper than rolling a PDL over for another month. It’s a goldmine of consumer insight you can use to create fresh, ultra-useful content, products and services. 9%. 11 February 2013 at 2:52AM. At Vanquis this depends on the APR for your specific credit card. Stay within the credit limit, always pay on time, and work to increase the credit limit over £1,000. To give you a credit score, credit referencing agencies look at what percentage of your available credit you actually use. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. , your representative rate is 34. The recommended payment is purely a level suggested to you. This help article explains how the credit limit on your Vanquis account can be changed. However, since I bought the pass with my Vanquis credit card, I don't really know what. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Bad credit + no interest = too risky to give you more credit. Around 45 days ago I applied for vanquis credit card online and I have been approved and my credit limit is £1000 card and pin arrived and then tried to activate the card but what I see, they ask me to call customer service to confirm my income then they need 3 month of bank statement and three payslips with my Driving Leinces I sent them. Debit or cheque is not honoured. Loans are subject to affordability. Spoke to vanquis and they said their was a problem with some customers files not being updated and it'll be sorted soon. Call charges may apply, so please check their websites for details. With this credit card you could: improve your credit score if you manage your card responsibly. Are Provident generous when it comes to increasing limits or will they refuse me? The only negative I can think of is that I’ve taken on two other credit cards besides vanquis which are both maxed out - on 0% offers, so I’m not drowning in interest. 9% (variable) p. However, if you have a decent credit score, you may be offered a lower 9. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 0. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. 9% (variable) p. Generally, income and expenditure + documentation is requested when Vanquis are making the decision to increase your limit solely on good handling of the account, but need to ensure that they are further lending responsibly. Vanquis Bank is to pay 1. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. Got Vanquis & Cap one credit cards a couple of weeks later both with £500 limit. . Freemans accepted me in august and I started off at 200, I haven't been paying in full but I've been paying around £60 a month and so far every month since I've had it its increased by £100! Pretty chuffed considering I've had a 24 studio account for 19 months and my limit is still 305! Also I have a vanquis card all paid up to date for the. , your representative rate is 34. This aims to help you get used to how a credit card account works. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Vanquis Credit Limits and Credit Increase: Initially, Vanquis maximum credit limits fall between £500 and £1,500, depending on your financial situation and credit history. To complete the eligibility check you will need to provide a few details: Personal details like your full name and date of birth. Learn about the ins and outs of the Vanquis Classic to help you decide if it's the. • It could stop you getting Credit Limit increases in the future • You may incur the Return Payment charge the payment is not honoured by your bank. Increasing your limit does i have better flexibility to spend. I've had a Vanquis card for over 3 years never had an increase stayed at £250, tried multiple ways to "trigger" increase, going close to limit, using less than 50% credit, paying in full, paying the min and it's never changed, my barclaycard has had multiple increases and I got that card at the same time as the Vanquis, if it wasn't my. He said going over your limit by even a penny would stop the limit. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 27 February 2018. Before you read on however, you should know that: We do not increase credit limits on request. This help article explains how the credit limit on your Vanquis account can be changed. Having high limits lets you spend more and can be good for your credit scores, but can also make it easier to overspend and rack up a lot of debt. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. Credit Builder Credit Card. Vanquis Bank Limited registered office: No. Although I would never use £1000 with Vanquis due to the interest rate and my income ratio, it would only benefit my outlook to lenders. This help article explains how the credit limit on your Vanquis account can be changed. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Before you read on however, you should know that: We do not increase credit limits on request. 4. Thanks! Dont know about Vanquis specifically, but my wife got Aqua CC for credit building and was given £500 limit. Subsequently, Is it bad to ask for […] Thimbl. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 9% APR (variable). 9 million following an investigation into its credit card repayment add-on by the Financial Conduct Authority. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. I paid £400 on 16th, however I checked my account this evening and I have 85p Billed Deffered Finance Charges, £12 overlimit and £7. We check your eligibility every month once you’ve been a customer with us for more than 4 months. Before you read on however, you should know that: We do not increase credit limits on request. Basically my vanquis credit card hasn't been updated for 3 months. Find out information about credit limits, fees, charges, minimum payment & foreign. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: ChargesManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. I was struggling with my credit score and got pre-approved for a Vanquis card. I went from £250 in Feb'09 to £500 to £1250 to £1500 to £2250 @ 47% at the moment (I know the APR is scary, but never paid any interest (ignoring the 16p min. Representative example: When you spend £1,000 at a purchase rate of 29. 9% (variable) p. You need to avoid spending more than your Credit Limit. The Financial Ombudsman Service (Fos) If your claim for mis-selling of a Vanquis credit card has not been resolved, you may be able to take it to the Financial Ombudsman Service (FOS). 4 months later they increased to £1000 so for me it was 4 months yes but for others I couldn't say.