5% APR. Eligibility requirements. With you find out you are eligible, you can then apply with a Vanquis card. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. paying off at least the minimum amount each month. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. This can help to spread the cost of a purchase over a number of months or years. The effective annual rate takes into account interest you will pay on interest if you do not pay the whole of your main balance shown on your statement each month so gives a truer picture of the cost of the credit. There are 3 steps when applying for a Vanquis loan: Online pre-approval – This is where we check your details and that you can afford the loan. 5% APR (variable) or 29. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. You can have bad credit if you fail to pay bills on time, have missed payments or even if you've had a lack of credit agreements in the past. Registered number 02558509 England. This is the maximum amount available to use on your credit card. The mobile app from Vanquis has a rating of 4. Vanquis Bank can be contacted at its registered office, which is at No. obtaining a credit limit increase or a size to a lower APR is. As a responsible lender we want to be sure you can comfortably manage your repayments. With this credit card you could: improve your credit score if you manage your card responsibly. Your first credit card. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Your first credit card. Your first credit card. Your first credit card. , like other cards offered by Vanquis, use the Visa credit card network. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Start with a manageable credit limit of £500 up to £1,500. Whether. It primarily services customers with a sub-prime credit history who have been declined for credit from mainstream lenders. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. A ‘soft search’ or 'soft credit check' means you or a lender can check your eligibility for credit without affecting your credit score. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. Applying for a Vanquis Credit Poster. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Your first credit card. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you find off you are eligible, them can then apply for ampere Vanquis card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. An eligibility checker allows you to test your likelihood of getting a Vanquis Total Card without impacting your credit score. A blank credit history can be as off-putting to lenders as a history filled with missed payments. Your first credit card. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 2. Easy login with your personal passcode. You can easily set up a Direct Debit on our app and choose a payment date that suits you. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. A firstly credit card will give yours a chance to build up a credit history safely. Stay in control of your account with online servicing, a mobile app, SMS and email. Download it now and take advantage of these features and more: View your PIN and card details. Fraud and Disputes Enquires – 0330 099 3000*. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. 5% APR Representative (variable) Subject to affordability. Your first credit card. See up to 12 months of. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. 2022 therefore represents its first 12 months as a standalone division. credit card, you must be over 18 years-old and live in the UK. You’ll then have 9 months at 0% interest to pay off the balance. When applying for a loan, each lender in the UK will have their own set of criteria for a customer to meet before they can lend to you. 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. Enter your details and apply for a Vanquis credit card Vanquis will check your eligibility first with a soft credit check. Your first credit card. Your first credit card. Vanquis processes your application and lets you know the next steps. It is quick and easy managing your Vanquis credit card with the Vanquis app. Make your next credit card thimbl. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Not be legally prevented from borrowing for any reason (e. Stay in control of your account with online servicing, a mobile app, SMS and email. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. Steps to get your free £25: Click the Vanquis referral link. Update your contact details. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. How to Manage Your. You receive a decision in 60 seconds. Subject to your own bank's payment limits, make your deposit with as little as one simple payment by bank transfer or cheque. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. A person with bad credit may find it difficult to borrow money, or if they can it will likely. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Vanquis Bank App. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Loans. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. At thimbl. After application, credit cards usually arrive within 2 weeks and can then be used in the same way as any credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. An eligibility checker allows you to check your likelihood of getting a Vanquis Credit Card without impacting your credit score. Make payments and set up automatic payments. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. A blank credit history can be as off-putting to lenders as a history filled with missed payments. Thimbl’s credit card eligibility checker can give you an answer within 60 seconds and without affecting your credit score. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. You can manage your account 24/7 using of Vanquis App but for general enquires check out our FAQs. Increasing your limit does i have better flexibility to spend. You could build your credit limit up to £4,000 over time subject to good account management. This amount shows how much you have spent on your credit card at a point in time. Find out if you’ll be accepted before you apply for your thimbl. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. With an eligibility checker, you can check whether you’re eligible for a card before you apply for it. In either case, you might need to look for other solutions to build your credit. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Loan arrives, you will then be able to check your eligibility. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Vanquis will check your eligibility first with a soft credit check. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. The eligibility checker usually is a free service offered by lenders to check whether you will be eligible for their credit card. 7 stars on Google Play, based on over 172,000 reviews. Applying to a Vanquis credit card is simply. g. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. Rate of interest 26. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you’re looking to improve your credit score, a credit card for bad credit could help to rebuild your credit rating. Vanquis Bank can be contacted at its registered office, which is at No. Credit score explained. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Make payments and set up automatic payments. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. a. I have never contacted them for credit and concerned why they have appeared on my credit file. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Update your contact details. Check your eligibility with our quick and simple 4 step application and find the right card for you Vanquis Chrome Card - 26. paying on time. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. [2] It also offers fixed-rate and notice. View our credit card range as a first step before you check your eligibility. Eligibility responses been given inside 60 seconds. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. VAT number 180555952. Applying to a Vanquis credit card is simply. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Below we explain what a Plevin PPI claim is, how it differs from a Mis-sold PPI Claim and what the eligibility criteria is to make a claim under the Plevin ruling. Representative 29. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. Depending on your eligibility, you may receive a decision within 60 seconds. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. 0/5. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Eligibility responses be presented inward 60 secondary. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. With you find out you are eligible, you can then apply with a Vanquis card. Your first credit card. It comes with a representative annual interest rate (APR) of 29. Vanquis credit cards are also helpful for cash withdrawals at many ATMs around the globe with a 3% withdrawal fee, but for using abroad 2. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. Your first credit card. New Noddle Report dated today says Vanquis search on 29 November 2018 code AF. Balance transfer means moving the debt from one card to another. MABLE Posts: 4,015 Forumite. Close search. 9 million following an investigation into its credit card repayment add-on by the Financial Conduct Authority. The Aquis variable APR of 29. Get a Response in 60 Seconds. This means that you can use your thimbl. • Set up and manage Direct Debits through. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. uk The Vanquis Bank eligibility checker tool is a free way to find out if one of our credit cards is suitable for you. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. You can manage your account 24/7 using the Vanquis App but for general enquires check out our FAQs. This Vanquis quick guide provides some helpful information on loans and the different types. Your first credit card. Our office hours are 9am to 5pm, Monday to Friday. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 1. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. My gut feeling is not to apply for the increase (as it's subject to eligibility) as I don't need it. Free eligibility check. Your first credit card. After application, credit cards. Your first credit card. Before you apply, use our 60-second online Eligibility Checker to get an instant initial decision without it showing up on your credit file. How to use the eligibility checker. manage your account 24/7 in the Vanquis app, wherever you are. 31 October 2018 at 1:39PM in Credit file & ratings. As a responsible lender we want to be sure you can comfortably manage your repayments. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Key FeaturesCredit limitations between £250 and £1,500Chance to increase financial limit up to a maximum £4,000Credit limit reviewed every 5 months£10 monthlyVanquis Bank can be contacted at its registered office, which is at No. Applying used a Vanquis credit card your easy. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Synonym Discussion of Vanquish. You must be at least 18 years old (although some lenders have a higher minimum age) You must be a UK resident. Your first credit card. Bad credit loans. The bank will also know the time at your location and all the contact details. . Here at Vanquis Bank, we offer ‘credit builder’ credit cards that you can use to build and improve your credit rating. 34. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. manage your account 24/7 in the Vanquis app, wherever you are. 5% APR (variable) Rates of 26. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your first credit card. First, you have to complete a 4 pace process to check your eligibility. Receive your £25. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. This aims to help you get used to how a credit card account works. Once you’ve submitted the details, Vanquis will run a credit reference search and check your identity. At thimbl. Download it now and take advantage of these features and more: View your PIN and card details. The good news is that your lender might increase your credit limit if you make repayments on time each month. Your first credit card. You’ll then have 9 months at 0% interest to pay off the balance. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Unlike other credit cards, Vanquis does not limit the amount of credit a customer can have. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. The good news is that your lender might increase your credit limit if you make repayments on time each month. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Once you’ve submitted the details, Vanquis. incorrect DOB; Are you known legally by any other name?Your first credit card. How to apply for a Vanquis credit card. Use our simple eligibility checker and we may be able to give you a decision in just 60 seconds. Common issues might be. Your first credit card. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. To help you control your spending and payments, our credit card offers come with a tailored credit limit. . g. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Limit your use of caffeine (for example, tea, coffee, cola) and chocolate. . Warning: Late repayment can cause you serious money problems. Vanquis Bank offers a credit limit of between £500-£1,000 on its balance transfer deal, £500-£1,200 on its purchase deal, and £500-£1,500 on its credit builder deal. Vanquis credit card review are designed to help people who have a poor credit history. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. The. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 5% APR (variable) depending on individual circumstances. Your first credit card. This is important, because every application you make will affect your credit score, and that could make it harder to get a card. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Tailored credit limit up to £1,200 subject to eligibility. If you are accepted, you will then receive a credit card in the post. Your first credit card. 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. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. How to apply for an instant credit card. You could build your credit limit up to £4,000 over time subject to good account management. You. In partnership with Vanquis Bank. Your first credit card. Pneumococcal Conjugate (PCV 13) Vaccine. A blank credit history can be as off-putting to lenders as a history filled with missed payments. For example, say you have a limit of £1,000, you’ll be able to move up to £900. Report your card lost or stolen. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Too many hard credit checks with different lenders over a short period. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Increasing your limit means you have more flexibility to spend. However, when you apply for the Vanquis Purchase Offer credit card, Vanquis runs a hard credit check, which impacts your credit score. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Your first credit card. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Please review the information you’ve given us below, make any amends and re-submit if required. It’s a goldmine of consumer insight you can use to create fresh, ultra-useful content, products and services. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. To apply for a credit card, you have to go to the official website and check your eligibility. When applying for a loan, each lender in the UK will have their own set of criteria for a customer to meet before they can lend to you. As a responsible lender we want to be sure you can comfortably manage your repayments. A ‘soft credit search’ allows lenders to check your eligibility for credit without affecting your credit score. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. I have just read your reply, johnsmith1890 - and I am worried. We have an easy two-step process to apply online for a credit card: 1. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. 5% APR (variable) Vanquis Classic Card - 39. Like it should be. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. See full list on vanquis. Depending on your eligibility, you may receive a decision within 60 seconds. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Vanquis is one of the UK’s leading ‘credit builder’ credit cards, designed to help people with bad credit rebuild their credit rating. Download and register, or open the Vanquis Bank App. 5% (variable). If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 99% non-sterling transaction fee will be applied. Use with Vanquish (acetaminophen, aspirin, and caffeine tablets) may cause nervousness,. 23 monthly. Eligibility responses am given within 60 seconds. Your first credit card. Your first credit card. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. It gives Vanquis a look at certain information on your credit report without performing a full inspection of your credit history. It's quick and easy to apply for a Vanquis credit card. Registered number 02558509 England. You can also choose Payit™ to make your payments easier and faster. 5% APR (variable) Rates of 26. Vanquis Loans | Apply Online How much would you like to borrow? All loans subject to affordability. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Believe card enquiries. We will let you know what we need from you. Your first credit card. Don’t forget; we’re happy to accept applications even if you. However, a lender will still needing at carry out some checks on you to help decide about their cards/products are right for you. Requirements for getting a new UK Credit Card. Applying used a Vanquis Credit Card . g. Easy login with your personal passcode. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Once you’ve entered your details, our easy 4-step apply vanquis credit card will tell you if you are eligible for a. Your first credit card. Check my eligibility. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Secure Online Application. This tool will help reduce the guesswork which comes with shopping for credit. 5% APR (variable) or 29. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. * Indicates a required field. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Your first credit card. 34. Complete our online application process to check your eligibility for a thimbl. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. A blank credit history can be as off-putting to lenders as a history filled with missed payments. How to apply for the Vanquis Classic credit card By completing the online eligibility checker, you will be given a decision in 60 seconds as to whether you are. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Your credit score is based on these specific points: Your credit report, which is a record of how you’ve managed your credit in the past. If your pension is the source of wealth. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. The process is straightforward and you will need to submit a few documents. Your first credit card. Your first credit card. Our eligibility checker lets you know if you are likely to be accepted for a Vanquis credit card in 60 seconds. Too many hard credit checks with different lenders over a short period. 8% on purchases is around 10 percentage points lower than the Vanquis Classic Visa. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. Make your next credit card thimbl. You may be asked to provide documentary proof of the source of wealth. That’s because if you haven’t had credit before - like a loan, credit card - lenders can’t see how well you can manage it. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. You'll be able to: • View your current balance and available spend. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. Alternatively, you can go to a branch. First, you are into complete a 4 step print to check their eligibility. There are many ways of referring to Vanquis payment protection insurance (PPI), these include credit insurance, credit protection or loan repayment insurance. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. • Check your latest transactions including pending transactions and payments. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to borrow. 5% APR. g. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 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. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. If you plan to apply for a credit card but you haven’t had any credit before, it can be difficult to prove that you can manage your money well. 5% (variable). Your first credit card. Read our guide to soft credit checks. Eligibility get were given within 60 seconds.