Credit cards

• ​​​​​​Provide a range of cards tailored to suit the needs of our customers, with a range of APR's, credit limits and promotional offers.
• Support customers from day one, making it easy to do business with us. We provide regular communications, an award-winning app, and deliver some of the highest levels of customer satisfaction in our sector.
• Proactively help our customers build their credit score, with a focus on responsible lending, by offering credit limit increases when appropriate to do so.

• Sector specialisation, with a focus on the non-standard market and over 20 years as a non-standard card issuer.
• Utilising a range of industry leading technology partners to provide best in class outsourced systems. 
• Leveraging data and market insight through partnerships with Experian, Visa and TransUnion. 
• Benefiting from a lower cost of funds as a full deposit-taking PRA and FCA regulated bank.
• Management team expertise with a breadth of experience in consumer finance and cards.
• Strong collections capabilities. 

• Scale business with over 1.5 million customers.
• Robust underwriting and collection strength resulting in stable risk-adjusted margins throughout the cycle.
• Delivering high levels of customer satisfaction and achieving top quartile levels NPS in our sector. 
• Good, safe returns for depositers.

Our customers value a Vanquis credit card for a variety of reasons:

• The range of good value products with manageable limits designed for their circumstances.
• Ease of account management through the mobile app for basic transactions and with the ability to speak to a person when they need additional support or have vulnerabilities.
• The ability to add their card to their Google or Apple Wallets for greater choice, convenience and added security in how they spend.
• Ability to grow their credit through regular credit line increases, where appropriate, which can support in building or rebuilding their credit score. 

Now with 20 years experience in the non-standard credit card market we have built deep understanding of both our consumer needs and developed a successful business model to support these, levering our long Group history in serving this segment of the market.