Make Poor Credit a Thing of the Past with the Vanquis Blue Credit Card

Many credit card companies are unforgiving when it comes to a credit history that involves missing a payment here or there. The reality is that everyone faces hard times at some point in his or her life. Unfortunately, some people seem to experience more of these hard times than others. In addition, these bumps in the road can sometimes seem more like mountains. As a result, having trouble with obtaining a credit card seems like just one more obstacle in the road of life.

The Vanquis Blue credit card is designed to help those that may have had some credit issues in the past. Missing a payment here or there or being late in making payments will not result in denial of the Vanquis Blue credit card. In addition, the card offers a generous line of credit with new applicants being able to receive up to £2,000 in credit. This credit limit is quite attractive for someone struggling to get his or her credit history repaired as it is plenty to pay off debts and to enjoy the convenience of a credit card. At the same time, it is not so much that the cardholder can create a deep debt that is difficult to overcome.

As with all Vanquis credit cards, the Vanquis Blue credit card offers excellent customer service assistance. Cardholders can talk to a real person in order to ask questions about their accounts or they can discuss their options for repayment if having problems with paying back what they owe.

The Vanquis Blue credit card also makes it easier for cardholders to keep their accounts secure. The card offers the Chip & PIN technology, which provides a heightened level of security. It also comes with free fraud monitoring, which means the company contacts cardholders whenever any suspicious activity takes place on the account.

Like all credit cards for people with poor credit, the interest rate on the Vanquis Blue credit card is a bit high. The typical APR is a variable 29.9%, but paying the balance in full at the end of each billing cycle will help the cardholder to avoid paying these finance charges. In addition, with the way billing takes place with the Vanquis Blue credit card, cardholders can enjoy up to 56 days of interest free purchases if they pay the balance in full at the end of each month.

There is no annual fee associated with the Vanquis Blue credit card and it is also free to obtain an additional card for another cardholder. Since the card is backed by Visa, it is accepted throughout the UK as well as in other countries throughout the world. It also offers convenient online and phone payment options.

For those suffering from a poor credit history, the Vanquis Blue credit card makes it possible to still obtain a credit card and enjoy the conveniences that having plastic provides.