Representative 39. 4. Vanquis offers a range of credit card products, unsecured personal loans and savings products. What is the credit limit on Aqua credit cards? Aqua's starting credit limits range from £250 to £1,200 depending on the card you go for and your credit profile. check if the credit limit on the new card is high enough for you to transfer your existing balance;. The Vanquis Credit Card has three different versions for its customers. As a responsible lender we want to be sure you can comfortably manage your repayments. All you need to do to trigger the bonus is make any spend - a £1 Amazon top up will do. Tap and go - Quick and easy contactless payments up to £100 Build credit over time - A starting limit up to £1,200 and a chance to grow it to £5,000 Secure banking app - Manage your credit card online, wherever and whenever you like, with the free mobile app Apply with confidence - Use our free 60-second eligibility checker before you. What i need know is if there is any way that Vanquis would allow me to withdraw the full £900 from an ATM/Bank? My daily withdrawal limit is 20% (£250) charged at £3 per time. Increasing your limit does i have better flexibility to spend. 0. Build your credit rating with a Vanquis Credit Card. They actually increased it to 69. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. VAT number 180555952. I think because I was managing the account in their favour (usually just paying minimum amount every month) I got increases on limit around every 6 months. This can be done in the form of relevant documents like bank statements, correspondence with Vanquis, and other supporting material. Credit limits on the Vanquis credit card vary between £150 and £4000 Cash withdrawal on a credit card can cost you a lot of money Vanquis Bank offer one main type of credit card and it is one of the most well known ‘credit builder’ credit cards in the UK. You could build and maintain your credit score if you manage your card responsibly. Some lenders won’t gives cards to people with bad credit, additionally some cards are one available to people with good credit scores. Increasing your limit means you have more flexibility to spend. 22 January 2010 at 5:46PM. The Vanquis Visa Card offers you manageable Credit Limit increases. Unlike a bank account which updates in real time. Representative 34. Please enter your Vanquis account details. 9% (variable) p. Vanquis is a visa credit building credit card, so it can be used to. 0% interest for three months – If you miss a. See up to 12 months of statements. Emergency Fund Savings £1002/£2000. Your credit limit can rise to £4,000. It offers personal loans to new and existing. Enter your details and apply for a Vanquis credit card. As a responsible lender we want to be sure you can comfortably manage your repayments. No reviews yet. How we can help. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. It’s fast, secure, and fuss-free. At Vanquis, we’ll help you check online whether you’re eligible for one of our credit building cards. If you believe you have been mis-sold a Vanquis Loans Credit Card, it’s important to act quickly. Weeding out inactive accounts is a cost saving. Do however ensure that you pay the balance off each month as their interest rate is truly horrendous!Here are the top 10 best credit building credit cards in the UK: 1. This means that you can use your thimbl. Increasing your limit means you have more flexibility to spend. As a responsible lender we want to be sure you can comfortably manage your repayments. Apply online and manage everything in our simple app. We may increase your minimum payment. If you spend too much on a credit card and go over your agreed credit limit, you may be charged a fee. We will set your credit limit when we open your account and will tell you what it is. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Earn 1 Membership Rewards® point for every £1 spent thereafter. Vanquis will check your eligibility first with a soft credit check. Vanquis will check your eligibility first with a soft credit check. Vanquis Bank Limited registered office: No. Increasing your limit means you have more flexibility to spend. VAT number 180555952. 25 April 2016 at. Pros of the Vanquis Classic credit card. Do not know what they look at to give increase had mine 5 months now and just been increased from £250 to £750. Increasing your limit means you have more flexibility to spend. 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. 50 - In this example we charge £3 because it is greater than the 3% (£1. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. Check your eligibility in 60 seconds, with no impact to your credit score; Get a tailored credit limit to suit your needs;Vanquis to pay £169m compensation to 1. As a responsible lender we want to be sure you can comfortably manage your repayments. You can make secure contactless purchases above the £100 limit in shops, online and in apps. Vanquis Credit Cards; Apply for a credit card; Credit cards for bad credit; Credit building credit cards; A guide to credit cards; Credit card eligibility checker; Loans . Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the. Credit limit Minimum credit limit: £250: Maximum credit limit: £250 (Subject to status) Fees: There is no annual fee: Charges This credit limit is set by the card provider and is usually based on your income and credit history. But we’ve also seen higher limits, in the $30,000 to $50,000 range. Vanquis Card credit limit at all times and the amount of credit available to spend. but they looked surprisingly low. Credit limit Minimum credit limit: £250: Maximum credit limit: £600 (Subject to status) Fees: There is no annual fee: Charges Make your next credit card thimbl. Description of the Best UK Credit Cards for Credit Building in November 2023. This could be as much as £10 or more. As a responsible lender we want to be sure you can comfortably manage your repayments. Thanks for the reply, I have only spent £120 from the £500 limit I was given, I took the card out originally to up my credit score as I’m a first time buyer, I use the vanquis card mainly for fuel and bits and bobs just to spend a little so I can pay back each month hoping for my credit score to grow. Available balance: £370. Applicants with no credit history, poor credit history or are unemployed are all considered. It is quick and easy managing your Vanquis credit card with the Vanquis app. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. S. Make a purchase using the Vanquis card (I just topped up my Amazon. 3%, Representative example: 34. Hi all, Just wondering if it is worth trying to reclaim charges from my vanquis credit card . Increasing your limit means you have more flexibility to spend. Aqua card - £250 Limit up to date, Jd Williams £150 limit up to date, Argos store card £400 limit up to date, Next £300 limit up to date. 9% and is still 59. 0. Credit Limit. Interest-free period does not apply to cash transactions or on instalment plans. I have the Gold Vanquis card, and my limit is £3k. 99% - 29. 4. High limit credit cards are exactly what they say on the tin: credit cards that have limits of £10,000. Use your card details to register, activate and start using your card. (coming soon) Personal loans from £1,500 to £10,000 over 12 to 60 months. Increasing your limit means you have more flexibility to spend. 0. As a responsible lender we want to be sure you can comfortably manage your repayments. As a responsible lender we want to be sure you can comfortably manage your repayments. This aims to help you get used to how a credit card account works. Hi All Never used Vanquis Bank and looking to take out 1 year fixed savings account Any one used?. Make a transaction of £1 or more (I just topped up my Amazon account by £1 for this but you can also just buy something in any shop (with a value of atleast £1). 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. Check your eligibilityVanquis Credit Cards; Apply for a credit card; Credit cards for bad credit; Credit building credit cards; A guide to credit cards; Credit card eligibility checker; Loans . 50 - In this example we charge the 3% (£4. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. 000 can't fault the service I've had Reviewed on: 17th. No card fees: Vanquis does not charge customers monthly fees to use its cards. Easy login with your personal passcode. How and. 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. Write a review. You could build and maintain your credit score if you manage your card responsibly. Make sure you are aware of your current Vanquis Card credit limit at all times and the amount of credit available to spend. It is quick and easy managing your Vanquis credit card with the Vanquis app. Make sure your credit reports are up to date and don’t contain any mistakes. 5% variable APR. Established in 2007, it offers credit building credit cards under the Visa brand for UK residents with a limited or uneven credit history. 3% to 34. This means the amount of credit to be provided under the proposed credit agreement or the credit limit. As I mentioned, I have no experience with Vanquis, but I would never trust any link in an e-mail from any credit card provider or financial institution. Why would she need 100. App works well. To activate your card download the Vanquis Bank App. I have a Vanquis credit card with a £1250 limit, in which i cleard the balance 3 weeks ago so i have £1250 available. Going back in time but post-University I did have a Vanquis credit builder credit card, they seemed to be one of the few that were open to taking customers with. Vanquis started at £250 limit and after 3 or 4 months rose to £500 where it has stayed. Payments in Europe. Compare Vanquis Bank credit cards. 2Credit Builder Credit Card. Let’s look at some potential steps you can take to rebuild your credit score. Vanquis Banking Group meets the needs of its customers through three products: credit cards, vehicle finance and unsecured personal loans. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). 5% variable APR. At Vanquis, our cash advance fee in £3 or 3% (of the amount withdrawn), whichever is greater. Vanquis Bank can be contacted at its registered office, which is at No. 34. 2013) to continue with my application for a credit card and I am shocked when he told me that I have been accepted and I will get my credit card within the next 7 working days and my pin number will follow. Always remember to leave enough. 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. We have previously told you what your credit limit is. Make a transaction of £1 or more (I just topped up my Amazon account by £1 for this but you can also just buy something in any shop (with a value of atleast £1). If we vary your minimum payment we will write to you to tell you. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). 18 October 2011 at 7:28PM. Stay in control of your account with online servicing, a mobile app, SMS and email. Credit limit: £500. Used well a credit card can be a secure and flexible way to spread costs. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Therefore the Aquis may be more desirable if you want a higher starting limit. This aims to help you get used to how a credit card account works. What is Vanquis Vanquis Bank is a subsidiary of the Provident Financial Group. Forumite. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. The minimum limit offered on the card is £250, while the maximum is £250. 00 ADVANCE OR 150 CREDIT LIMIT. This aims to help you get used to how a credit card account works. I’m attempting to rebuild my credit rating and also get out of the Wonga loop! I have no CCJ’s but I have a poorly managed credit history (many collection departments and debt collection agencies, which I’ve managed to pay off). Download it now and take advantage of these features and more: View your PIN and card details; Verify online purchases; Make payments and set up automatic payments; Check your transactions; See up to 12. Report your card lost or stolen. Martin's Blog; Team Blog;. Steps to get your free £25: Click the Vanquis referral link. You can also choose Payit™ to make your payments easier and faster. A tailored credit limit As a new customer, you'll start with a tailored credit limit with room to grow. you vanquis card holders talking about i want bigger credit limits on the card,you are mad stick to your limit which they first give you and if they give you a…Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Credit card balance: £130. 3% credit card, is also for the bad credit card rating. Credit limit between £500 and £1,200. Top features of the Vanquis Credit Card. Increasing your limit means you have more flexibility to spend. Current Debts. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Increasing your limit does i have better flexibility to spend. Bad credit + no interest = too risky to give you more credit. Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward. write a review. get a personalised credit limit between £500 and £1,200. Download it now and take advantage of these features and more: View your PIN and card details. As a responsible lender we want to be sure you can comfortably manage your repayments. Vanquis Credit Cards. Your thimbl. 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. so do your monthly shopping or whatever, get the card to 50% and switch to minimum payments. Getting your Vanquis credit card statement. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,500 (Subject to status) Fees: There is no annual fee: Charges To be eligible to apply for a thimbl. As a responsible lender we want to be sure you can comfortably manage your repayments. Make payments and set up automatic payments. Hi Everyone, i currently have a vanquis credit card, and I am at the top limit of £3,000. . * 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. Enter your card number and select option '5' to select the preferences that best suit you. How and. Increasing your limit means you have more flexibility to spend. You can add your Vanquis credit card by scanning the card or by entering the card details manually. Slashing the credit limit is the first stage before withdrawing the facility entirely. As a responsible lender we want to be sure you can comfortably manage your repayments. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 14 January 2016 at 12:11AM. Follow the instructions to complete your payment. Credit limits between £250 and £1,500; Chance to increase credit limit up to a maximum £4,000; Credit limit reviewed every 5 months; £10 monthly minimum. thimbl. 9% Representative. Rates starting from 29. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Registered number 02558509. Steps to get your free £25: Click the Vanquis referral link. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Strong Customer Authentication. I have a Vanquis gold credit card, limit of £3000 To make is simple, the balance for 2 years (24 months) has been near the limit full,6 (lets say £2500 for similciy) and have been paying just above the minimum payment every month (lets say £200/month) and yes I know alot of interest was accumulated during this time, but now am able to pay. Increasing your limit means you have more flexibility to spend. See up to 12. Depending on your circumstances, your thimbl. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Lenders have a duty to lend responsibly. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Credit limit between £500 and £1,200. View our credit card A simple online credit card application process As a new customer you get a starting credit limit of between £500 - £1,200 subject to eligibility. 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. Download it now and take advantage of these features and more: View your PIN and card details. This is not applicable if the transfer is. Typically we will send your statement around 3-4 weeks before your minimum payment is due. When you use your Vanquis Visa credit card to make a non-sterling transaction we will charge you a fee of 2. Increasing your limit means you have more flexibility to spend. Zopa Credit Cards - Limit Increases? « 1 2 » Comments [Deleted User] Posts: 7,175. Check your eligibilityManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. If you are past the limit, then it sounds like Vanquis are making extra sure that your payment is good and they receive the money. Find out information about credit limit, fees, charges, minimum payment & foreign usage. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Check your credit reports. Mr H took his card out in 2011. Our guide includes information on credit limits, how they work and their impact on your credit score. Hi, I am shocked as I applied for a vanquis credit card last week and advicer from vanquis bank phoned me yesturday (30. Download it now and take advantage of these features and more: Verify online purchases. Top features of the Vanquis Credit Card. This aims to help you get used to how a credit card account works. Find out information about credit limit, fees, charges, minimum payment & foreign usage. Credit Builder Credit Card detailed summary. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. You could build your credit limit up to £4,000 over time subject to good account management. Vanquis will check your eligibility first with a soft credit check. As a responsible lender we want to be sure you can comfortably manage your repayments. Best credit card easiest app Signed up for my Vanquis credit card, was accepted, got my phone call straight away to finish the last bit of my application, spoke to a very polite and helpful man who talked me through everything I needed to know, my card and pin arrived in the time frame given, downloaded the app which was the easiest and most straight. Credit Builder Credit Card detailed summary. This aims to help you get used to how a credit card account works. Hi All, I was wondering what is highest credit limit that one could progress on to on a Vanquis card. I have the Gold Vanquis card, and my limit is £3k. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. 1) Your credit is not so good so your limit is £250. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. Hi, I am shocked as I applied for a vanquis credit card last week and advicer from vanquis bank phoned me yesturday (30. As a responsible lender we want to be sure you can comfortably manage your repayments. This aims to help you get used to how a credit card account works. 7 stars on Google Play, based on over 172,000 reviews. The main Vanquis number on a scam 0870 number is 0870 8507755, or alternatively 01634 793500, where if you call during office hours the phone is answered by a 'real' person and no press button 1 etc. 19. This aims to help you get used to how a credit card account works. 8% APR (variable). What is the highest credit limit with vanquis? No card fees: Vanquis does not charge customers monthly fees to use its cards. Any credit that is obtained as a result of an application will be provided by Vanquis Bank Limited. If you use a debit card for your payment, your balance will update within 2 working days. Aquis Vs. I want to do this to avoid these fees, and. Registered number 02558509 England. 3%. Your credit limit can rise to £4,000. 29 May 2022 at 7:13PM edited 29 May 2022 at 7:15PM NewLeaf1986 said: Yeah same; apparently they haven't enabled their system for credit limit reviews, but plan to "Soon". Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. Every card has specific consumers. Credit Builder Credit Card. A guide to credit cards. If you’re looking to improve your credit score, a credit card for bad credit could help to rebuild your credit rating. I can assure you that no aspect of any Provident-issued credit could ever be considered "competitive" when compared to others - Vanquis's target market is high-risk, and the interest rates and charges reflect that. This aims to help you get used to how a credit card account works. 11 September 2010 at 11:26PM. Increasing your limit means you have more flexibility to spend. As a responsible lender we want to be sure you can comfortably manage your repayments. 2. This aims to help you get used to how a credit card account works. High limit credit cards are exactly what they say on the tin: credit cards that have limits of £10,000. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. I am a former Vanquis customer, had a credit card between 2010-2014. 50) as it is greater than £3. Home › Credit cards. Check your eligibilityDownload the Vanquis Bank App. The Vanquis Credit Card is another popular UK credit builder card. It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. Everything else including the APR stays the same as before. It primarily services customers with a sub-prime credit history who have been declined for credit from mainstream lenders. Registered number 02558509 England. This aims to help you get used to how a credit card account works. The best way to avoid being. There is no annual fee attached to Vanquis Bank’s Chrome. For example, say you have a limit of £1,000, you’ll be able to move up to £900. Activate your card (using the App or by phoning Vanquis). Manage your credit card using the Vanquis app. £25 Cost of Borrowing Interest Explained – based on 39. 6%. 50). Increasing your limit means you have more flexibility to spend. I can assure you that no aspect of any Provident-issued credit could ever be considered "competitive" when compared to others - Vanquis's target market is high-risk, and the interest rates and charges reflect that. 12. This aims to help you get used to how a credit card account works. These features include: 0% interest on purchases for the first 4 months. When you get a credit card for bad credit, it might come with a low borrowing limit and a high interest rate. We will also charge an over limit fee as shown in Table 3 in A8. 2) You are paying it off in full, thus no interest. Increasing your limit means you have more flexibility to spend. • Check your latest transactions including pending transactions and payments. 50) as it is greater than £3. Download the Vanquis App to quickly and easily manage your account. As a responsible lender we want to be sure you can comfortably manage your repayments. You must be 18 or over to use our four-step eligibility check and apply for a credit card. However, their timeline is particularly slow compared to how long the direct debit process takes, so I can understand why you are frustrated. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: ChargesAqua / Vanquis credit cards. You need to avoid spending more than your Credit Limit. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. You must not let the amount you owe us go over the credit limit. Rates starting from 29. Our FAQ search tool contains help and guidance for a number of topics. Anthorn Posts: 4,362 Forumite. PD10259_Vanquis_17month_Planner_V22. 13 January 2016 at 9:21PM. Increasing your limit means you have more flexibility to spend. Iwanttobefree Posts: 2,534 Forumite. 2m credit card customers. As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. How a Vanquis card has improved his credit score: “In the 3 years, I’ve had the card, my rating has improved massively, they’ve increased my credit limit as I’ve used it too. 34. 9% APR - Proposal. I know if you pay on time every month your credit limit can go up (i think it said every 4 months) just wondering anyone who has got 1 is it definitely every 4. Make payments and set up automatic payments. However, whether your application is accepted will depend on your individual circumstances and factors such as your credit score, current income and expenditure commitments. To start to qualify for a Credit Limit increase, you should make your repayments on your Vanquis Visa Card and your other credit accounts on time and make good use of but not go over your Credit Limit. Ah well, I thought, my be after 8 or 12 months I will be given a credit limit increase. Guidance for new customers or people considering Vanquis. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. As a responsible lender we want to be sure you can comfortably manage your repayments. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Download it now and take advantage of these features and more: Verify online purchases. Generally, cardholders should advise Vanquis Bank within 120 days from the date of the transaction, however, cases can extend up to 540 days and even beyond that with certain card companies. Check your transactions. You could build and maintain your credit score if you manage your card responsibly. As a responsible lender we want to be sure you can comfortably manage your repayments. Make payments and set up automatic payments. Your credit limit is the maximum amount you are allowed to owe us under this agreement. This aims to help you get used to how a credit card account works. Hi A4445, I'd had my Vanquis since around 2012, starting limit of £750, if I remember rightly. YOUR CREDIT LIMIT Your Credit Limit is the amount that we have agreed to lend you. Anyway, long story short - I defaulted, the debt got passed to Lowell and after lots of fighting about the. Check my eligibility. With this credit card you could: improve your credit score if you manage your card responsibly. This aims to help you get used to how a credit card account works. You could build and maintain your credit score if you manage your card responsibly. Although you may notice your available balance has increased in the mean time. Help with making payments to your credit card. etc 24/7 telephone. Increasing your limit means you have more flexibility to spend. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. If you have a poor credit score you still have a high chance of getting this card and offer. Because your method does not repair a credit rating and secondly, if you did have an emergency and found yourself stuck, then the Vanquis credit card might just be a lifesaver. Damaged credit card If your credit card is damaged and no longer works, you’ll need to call our team on 0330 099 3000*. Increasing your limit means you have more flexibility to spend. No annual fee. Pay My Card Login. Increasing your limit means you have more flexibility to spend. If we vary your minimum payment we will write to you to tell you. 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. Dakent89 Posts: 34 Forumite. 1. 0. 9% in August so he opted out and closed the account. Initial credit limits are lower, between £150 and £1,000, with a 29. (FCA) has today imposed a great of £1,976,000 on believe card lender, Vanquis, for failure to disclose that comprehensive price of an add-on product, called. Enter your details and apply for a Vanquis credit card Vanquis will check your eligibility first with a soft credit check. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. You need to be the main cardholder in order to login. Today's limit is £2250. Increasing your limit means you have more flexibility to spend. Registered number 02558509 England. lf you use your Card or our Cheques for Cash Transactions,. Update your contact details. Credit limited on the Vanquis credit card vary between £150 and £4000 Cash withdrawal switch a credit card can cost you a lot starting money Vanquis Bank offer one main character of credit card and it is one from the most right known ‘credit builder’ credit cards in the UK. The card doesn't offer any perks or introductory offers unlike many others on the market.