Frequently Asked Questions

Borrowing with a Credit Card

Is a credit card suitable for me?

What does a credit card do?

How long do I have access to the credit?

How much will you lend to me?

Why do you have more than one interest rate on my account?

How much will it cost me?

What is Repayment Option Plan?


Your application

I've been turned down for credit before, will that affect your decision?

How can I apply?

Will I be charged for applying for an Aquis Credit Card?

How long will it take to get a response?

How do you work out my interest rate?

What happens if I'm accepted?

What if I change my mind? Can I cancel my credit card and how long do I have to do that?

How long will it take between applying for an Aquis Credit Card and receiving one?

How do I find out why you turned me down for a card?


Using your card

Where can I use my Aquis Credit Card?

How will I keep track of my spending?

What will my credit limit be?

Can I increase my credit limit?

Can I withdraw cash on my Aquis Credit Card?

Can I use my Aquis Credit Card abroad?

What are the charges for using my Aquis Credit Card abroad?

What are the Exchange Rates for using my Aquis Visa Card abroad?



What is Contactless?

How does it work?

Where can I use it?

Can I use my new contactless card immediately?

What are the benefits?

Is contactless secure?

Do I have to pay with contactless?

Is there a daily limit when using contactless?

If I have more than one contactless card will the wrong card be charged?

Can I be charged twice if I have more than one contactless card?

Is it possible to pay by contactless by mistake?

If my Aquis Credit Card is lost or stolen can it be used for contactless transactions?


Paying your bills

How does the Aquis Credit Card help me build my credit rating?

How can I make a payment to my account?

What is a Continuous Payment Authority and how do I set one up?

When I make a payment what gets paid off first?

What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

How often do I have to make a payment and how will I know how much to pay?

What happens if I don't pay?

What should I do if I'm having trouble paying my bill?


Managing your account

Can I manage my account online?

What should I do if I have any questions about my account?

What's my right to withdraw?

Can I add an additional cardholder to my account?

What if my balance gets too high?

Why might my interest rates change?

How often do you change my interest rate?

Can I keep my interest rates on their current rates and pay off my debt to you?

Can my statement be sent to me in Large Print, Audio or Braille?

If I have a disability or medical condition that affects my ability to run the account, what can Vanquis Bank do to help me?

How can I get a PIN reminder or a new PIN?

How do I report a lost, stolen or damaged card?

Credit card cheques

How do I query a transaction on my account?



I would like to talk to someone about the credit card before I apply - what number do I call on?

Who can I contact if I am having problems completing my online application?

Do I need any special software to use the site?

My Internet Browser is not showing the site clearly, why is this?

Is the information I give you on this site secure?

What should I do if I have a complaint?



What is “ring-fencing”?

What impact does “ring-fencing” have on me?

Build or Rebuild your credit with an Aquis Credit Card

  • You'll start with an easy to manage Credit Limit between £250 and £1,000^
  • You could get a Credit Limit increase after your 5th statement and further increases every 5 months, up to £4,000*^
  • A friendly UK Customer Service call centre.
  • Online and SMS Account Management.

Representative 29.8% APR (variable)

Aquis Credit Card Splash