The team at vanquis credit card number Bank believes that people with limited or no credit history should be able to access the same financial products as those with more established credit histories. They are part of the Provident Financial Group, a specialist provider of loans and credit cards to people who may have been turned away by mainstream lenders. Can you use Vanquis abroad? They offer a range of credit cards for individuals with a poor or no credit history, including the Vanquis Classic Visa Card. These cards are designed to help customers build their credit score, with a low early credit limit and a structured pattern of repayments. Credit limit: The maximum amount of money you can borrow on your card. Your credit limit will be based on your credit record and could increase every five months if you demonstrate good account management. Minimum Payment: Paying your monthly minimum payments on time is essential to avoid incurring late charges. If you do not make your payments on time or you are in breach of the terms and conditions, a PS12 fee will be charged. Using your card: You can use your card to buy goods and services online, in-store or by phone at any of the over 24 million Visa retailers worldwide. You can also withdraw cash from an ATM at any time. Vanquis is a UK-based financial services provider that offers a range of products to suit most credit profiles. Its customer reviews on Trustpilot average 4.6 stars, with a high level of satisfaction among existing customers.