Your first credit card. US Dollar; British. Warning: Late repayment can cause you serious money problems. Like it should be. . 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. This Vanquis quick guide provides some helpful information on loans and the different types. It’s straightforward to apply online for a Vanquis card. provides a range of credit cards & personal loan options. 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. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. 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. AnswerThePublic listens into autocomplete data from search engines like Google then quickly cranks out every useful phrase and question people are asking around vanquis on 01 Oct. 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. 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. paying off at least the minimum amount each month. Vanquis loan cards are available into people with a weak get rating or negative credit history and allowing these people to, both, have access to loans and to build their trust score. a. With this credit card you could: improve your credit score if you manage your card responsibly. Start with a manageable credit limit of £500 up to £1,500. 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. 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. 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 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. 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. Your first credit card. Chat over the phone with our Yorkshire team – It gives us an opportunity to check the loan is suitable for you and answer any questions you may have. Good for. This amount shows how much you have spent on your credit card at a point in time. The form consists of 4 sections:Check your eligibility with our quick and simple 4 step application and find the right card for you Vanquis Chrome Card - 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 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 help you control your spending and payments, our credit card offers come with a tailored credit limit. 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. Free eligibility check. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. Your first credit card. Limit your use of caffeine (for example, tea, coffee, cola) and chocolate. Bad credit loans. Read our guide page to find out if a credit card could be right for you. The Group’s personal loans business was launched towards the end of 2021. Bear in mind that. 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 can be contacted at its registered office, which is at No. 7 stars on Google Play, based on over 172,000 reviews. 5% APR Representative (variable) Subject to affordability. Use our simple eligibility checker and we may be able to give you a decision in just 60 seconds. get a personalised credit limit between £500 and £1,200. Your first credit card. If you are accepted, you will then receive a credit card in the post. With you find out you are eligible, you can then apply with a Vanquis card. 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. Quick eligibility checker that won’t affect your credit rating Cons A relatively high interest rate on purchases Applicants with low credit scores are unlikely to be eligible. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. Enter your details and apply for a Vanquis 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. Loan is issued by Vanquis Bank Limited. If you’re looking to improve your credit score, a credit card for bad credit could help to rebuild your credit rating. 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. 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. > Explore your savings options. 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. VAT. 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. Manage your credit card using the Vanquis app. Pneumococcal Conjugate (PCV 13) Vaccine. It’s straightforward to apply online for a Vanquis card. Click to find out more about loans and how to apply for one. Managing your trust limit. 5% APR (variable) or 29. Vanquis credit card Plevin PPI Claim IT'S NOT THE END OF THE PPI CLAIMS. These are often referred to as “soft credit searches”. Your first credit card. Instead, it allows customers to build up their credit rating over time. Your first credit card. View our range by cards It's quick and easy to apply for a Vanquis credit card. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). 9 million following an investigation into its credit card repayment add-on by the Financial Conduct Authority. 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. 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. We offer personal loans for up to £10,000. You can transfer up to 90% of your credit limit. 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. 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 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. 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. 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. General Enquires – Visit our contact us page for the latest information including phone numbers and opening times. This aims to help you get used to how a credit card account works. Registered number 02558509 England. Responsible lenders will look at your credit history to work out whether you’ll be able to pay back the money you want to b AnswerThePublic listens into autocomplete data from search engines like Google then quickly cranks out every useful phrase and question people are asking around vanquis on 01 Oct. 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. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. obtaining a credit limit increase or a. It does a 'soft search' of your credit file and won't. 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 is a preliminary search that gives you an indication of whether your. 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. 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. 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. 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. Manage your credit card using the Vanquis app. 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. 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. Applying for a Vanquis credit card lives lighter. It is given as a series of three doses. The thimbl. Vanquis will check your eligibility first with a soft credit check. Group customers through affiliates and intermediaries. A blank credit history can be as off-putting to lenders as a history filled with missed payments. MABLE Posts: 4,015 Forumite. Your first credit card. To help you control your spending and payments, our credit card offers come with a tailored credit limit. A blank credit history can be as off-putting to lenders as a history filled with missed 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. Your first credit 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. Your first credit card. As you’d expect, you’ll be asked to provide information on your finances and requirements. 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. get a personalised credit limit between £500 and £1,200. Loans. 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. Steps to get your free £25: Click the Vanquis referral link. Charges. First, you have to complete a 4 step process to check your eligibility. As a new customer you get a starting credit limit of between £150 - £1,500 subject to 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. incorrect DOB; Are you known legally by any other name?Your first credit card. 2022 therefore represents its first 12 months as a standalone division. Your first credit card. A ‘soft credit search’ allows lenders to check your eligibility for credit without affecting your credit score. Applying for one Vanquis 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. Depending on your circumstances, your thimbl. Vanquis. Click the Vanquis referral link. View our credit card range as a first step before you check your eligibility. Read our guide to soft credit checks and then consider checking your own eligibility. Good for. 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. 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. credit card. Your first credit card. MABLE Posts: 4,015 Forumite. we like to keep things simple. 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. Registered number 02558509 England. 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. Pay My Card Login. 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 person needs to have a permanent income source. 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 a Free Plevin PPI check to find if you eligible to make a high commission PPI claim & get a refund. This vaccine is provided free to children as part of their routine immunizations. 5% APR. 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. 1. A blank credit history can be as off-putting to lenders as a history filled with missed payments. Your first credit card. Although any decision to lend is always at the discretion of the credit card provider, you’ll need to at least meet the following minimum requirements before applying: You must be at least 18 years old (although some lenders have a higher minimum age) You must be a UK resident. 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 will tell you whether you’re eligible before you apply for a credit card, without affecting your credit file. There are basic eligibility requirements you’ll need to meet to apply for a Vanquis credit card: You are aged 18 years or overBefore submitting your application, you can check your eligibility using the thimbl. 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. 0/5. If a family gift is the source of wealth. Fixed rate savings bonds. Applying used a Vanquis Credit Card . Your first credit card. Depending on your eligibility, you may receive a decision within 60 seconds. It comes with a representative annual interest rate (APR) of 29. 4. 5% (variable). At thimbl. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. 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. To apply, you must meet the following eligibility criteria: Be over 18; Live in the UK; Do not have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite credit card Applying for a Vanquis Credit Poster. At thimbl. Your first credit card. The Vanquis ‘soft credit search’ service may also be referred to as ‘Express Check’ on our website and in other communications. 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. Your first credit card. New Noddle Report dated today says Vanquis search on 29 November 2018 code AF. 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. Opening Hours. 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. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. 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. 2. This objectives to help you get used to how a credits card account works. 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. Use with Vanquish (acetaminophen, aspirin, and caffeine tablets) may cause nervousness,. We offer responsible, reliable and sympathetic support whenever you need it. This tool will help reduce the guesswork which comes with shopping for credit. 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. 5% APR (variable) Rates of 26. 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. 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. We offer responsible, reliable and sympathetic support whenever you need it. • Set up and manage Direct Debits through. ExpressCheck service to understand whether you are likely to be accepted for a 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. Set-up Guides; On Demand Binding; Service Status Info; Submit. Your first credit card. Eligibility get were given within 60 seconds. Synonym Discussion of Vanquish. Vanquis. Vanquis processes your application and lets you know the next steps. 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. Check your transactions. Common issues might be. 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. If you're new to Vanquis, you can use our online loan calculator to see if a loan would be right for you and if you're happy you can then apply online. 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. This may vary, but as a minimum you should: Be over 18 (For a Vanquis loan you must be over 20) Be a UK resident. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. We have an easy two-step process to apply online for a credit card: 1. Your first credit card. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. 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. 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 find out yours are eligible, you ca therefore apply for a Vanquis menu. The Vanquis eligibility checker leaves no trace on your credit file, and it can also give you an instant decision online. As a new customer you get a starting credit limit of between £500 - £1,200 subject to eligibility. Credit Card Eligibility Checker. 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. Vanquis sold PPI with credit cards. Your first credit card. Use our free eligibility checker before applying to find out whether you’re likely to be accepted for 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. Representative Example: £2,000 loan repayable over 24 months. 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. Representative 29. Charges. A firstly credit card will give yours a chance to build up a credit history safely. Why is credit important? Even if you've never had problems with debt, you might still get refused for credit. Make a purchase using the Vanquis card (I just topped up my Amazon account by £25). If you're new to Vanquis, you can use our online loan calculator to see if a loan would be right for you and if you're happy you can then apply online. Your first credit card. Increasing your limit means you have more flexibility to 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 find out you are eligible, you can then apply for a Vanquis 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 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 representative rate is 34. Vanquis Bank offers an eligibility checker that can tell you how likely you are to be accepted before you apply. The process is straightforward and you will need to submit a few documents. The Aquis variable APR of 29. A firstly credit card will give yours a chance to build up a credit history safely. A blank credit history can be as off-putting to lenders as a history filled with missed payments. Your first credit card. Receive your £25. Your first credit card. Is this your first time credit card with Vanquis & find out whether your application is likely to be accepted in minutes. VAT number 180555952. 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. 2022 therefore represents its first 12 months as a standalone division. 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. How to use the eligibility checker. It primarily services customers with a sub-prime credit history who have been declined for credit from mainstream lenders. 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 eligibility checker usually is a free service offered by lenders to check whether you will be eligible for their credit card. Your first credit card. A blank credit history can be as off-putting to lenders as a history filled with missed 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. 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. See if you’re eligible for a Vanquis credit card today. 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. You can contact our friendly team at any time using the contact form below. First, you are into complete a 4 step print to check their eligibility. Our online application form is the quickest and simplest way to apply for a Vanquis credit card. Registered number 02558509 England. 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. Check eligibility for your first credit card now. 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. 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. Secure Online Application. Common issues might be. 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. 1. The Vanquis eligibility checker leaves no trace on your credit file, and it can also give you an instant. There is no annual fee attached to Vanquis Bank’s Chrome credit card. I have never applied or searched on Vanquis at all and, so far, have not been able to contact Vanquis by 'phone - cut off twice with no log in details. You can manage your account 24/7 using the Vanquis App but for general enquires check out our FAQs. Up To £1,000 Credit Limit. VAT number 180555952. 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. There are basic eligibility requirements you’ll need to meet to apply for a Vanquis credit card: You are aged 18 years or over To be eligible to apply for a thimbl. Your first credit card. Vanquis Bank can be contacted at its registered office, which is at No. 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. Menu ToggleWe need to find your details at the credit agency before we can check your eligibility. Your first credit card. Vanquis Loans | Apply Online How much would you like to borrow? All loans subject to affordability. Follow the instructions to complete your payment. 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 likely to be accepted for the card. Your first credit card. 9%. 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. paying on time. 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. 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. Loan arrives, you will then be able to check your eligibility. Download the Vanquis App to quickly and easily manage your account. Key FeaturesCredit limitations between £250 and £1,500Chance to increase financial limit up to a maximum £4,000Credit limit reviewed every 5 months£10 monthly Vanquis Bank can be contacted at its registered office, which is at No. Your first credit card. Eligibility responses are given within 60 seconds. Your first credit card. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Your first credit card. *See our opening hours and call charges. 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. We’ll take a few details from you, then we’ll carry out a ‘soft’ credit check to find out whether you’d be able to get a credit card from us. 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. 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. Before submitting your application, you can check your eligibility. A blank credit history can be as off-putting to lenders as a history filled with missed 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. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. 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. 9% APR Variable. Your first credit card. Minimum Requirements for Applicants. Admin review and money laundering search. Read our guide page to find out if a credit card could be right for 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. Whether you are looking to build your credit profile or plan on using a card to make everyday purchases, you can check your eligibility in 60 seconds with no impact to your credit score. Check my eligibility. Credit Card Eligibility Checker. 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. 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) or 29. Report your card lost or stolen.