Emergency Fund Savings £1002/£2000. They gave me a £500 limit and if I paid. This aims to help you get used to how a credit card account works. 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. Can I request a credit limit increase? You can't ask for a Credit Limit Increase (CLI), but we'll automatically review your account every month and let you know if you're eligible. For further details, please refer to your credit card terms and conditions. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,000 (Subject to affordability) Fees: There is no annual fee: Charges: 1. This includes other credit cards, loans, catalogues, mobile phones and mortgages you may have. fin. See ROP – the refunds are too small. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. To complete the eligibility check you will need to provide a few details: Personal details like your full name and date of birth. Borrow from £1,500-£10,000 subject to affordability. Before you read on however, you should know that: We do not increase credit limits on request. It is important that we look at your wider finances when deciding whether to give you a Credit Limit increase. He said going over your limit by even a penny would stop the limit. Representative example: When you spend £1,200 at a purchase rate of 34. A limit isn't a status symbol or something to be proud off. * 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. Don’t move around too much. Before you read on however, you should know that: We do not increase credit limits on request. Applicants with low credit scores are unlikely to be eligible. indd 2 21/10/2015 14:25:03 28 May 2019 at 7:03PM in Credit cards. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 2. This credit card has the highest credit limit among vanquish credit cards, and it has a starting credit limit of £1,200. I have NEVER cleared my balance, my card is maxed and I have always payed minimum monthy payments. Typically we will send your statement around 3-4 weeks before your minimum payment is due. If you do. At Vanquis this depends on the APR for your specific credit card. 11 September 2010 at 11:26PM. This aims to help you get used to how a credit card account works. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9% APR (variable). We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. Applied for a vanquis card yesterday and got a call from them today on my mobile telling me that I have been accepted for their credit card !!The minimum payment amount is a percentage of your total credit card balance. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. 18. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. Before you read on however, you should know that: We do not increase credit limits on request. Even a £200 limit Vanquis, Aqua, Cap One type card would be fine to establish a period of good payments (though obviously paying less than the full balance or not making payments would defeat the purpose). Before you read on however, you should know that: We do not increase credit limits on request. This means that you can use your thimbl. Contact your card issuer to ask it to speed up the reversal or ask for your overdraft/credit limit to be temporarily increased. 11 June 2019 at 3:23PM. Got Vanquis & Cap one credit cards a couple of weeks later both with £500 limit. Lawmakers have suspended the debt limit, rather than raising it by a specific dollar amount, seven times since the beginning. For further details, please refer to your credit card terms and conditions. Help with making payments to your credit card. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. You might get offered a credit card at a low-interest rate or with higher credit limits. 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. Vanquis will consider applicants with no credit history, for a first credit card, or those with bad credit—interest rates are higher as a result: 29. Credit Limit. 1 DON’T GO OVER YOUR CREDIT LIMIT Your Credit Limit is the amount that we have agreed to lend you. Letters but this is vanquis and keeping your individual needs and replaced with any problems completing my account details will we are available Write to withdraw cash machines and instructions sent with all vanquis bank will i increase. Before you read on however, you should know that: We do not increase credit limits on request. Bad credit + no interest = too risky to give you more credit. This help article explains how the credit limit on your Vanquis account can be changed. Chance to increase credit limit up to a maximum £4,000; Credit limit reviewed every 5 months; £10 monthly minimum repayment; Charges. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Used well a credit card can be a secure and flexible way to spread costs. Download and register, or open the Vanquis Bank App. Good for. 5 The monthly cost of the ROP was £1. 1Aand 2. They gave me a credit limit of £250, alright everyone has to start somewhere and as I was suggested I've been using one card. Vanquis Bank Limited registered office: No. Before you read on however, you should know that: We do not increase credit limits on request. , your representative rate is 29. wmb194 Posts: 2,780 Forumite. Basically my vanquis credit card hasn't been updated for 3 months. If making minimum payments is becoming difficult, please ring us on 0330 099 3000 to discuss your situation. Make sure you continue paying at least the minimum monthly payment on your credit card. This doesn’t explain why the refunds amounts are so low for most people, but if you had over-limit charges, that article explains how to ask. Representative. , by staying within your credit limit and making at least your minimum payment on time), you may be eligible for credit limit increases every fifth month up to £4,000: Transaction Fees: Non-sterling transaction fees of 2. manage your account 24/7 in the Vanquis app, wherever you are. As a new customer you geting a starting credit limit of between £150 - £1,500 subject to eligibility. Are Provident generous when it comes to increasing limits or will they refuse me? The only negative I can think of is that I’ve taken on two other credit cards besides vanquis which are both maxed out - on 0% offers, so I’m not drowning in interest. As a fresh customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9%. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. * 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. Increasing your limit does i have better flexibility to spend. Loans are subject to affordability. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This aims to help you get used to how a credit card account works. Make sure you are aware of your current Vanquis Card credit limit at all times and the amount of credit available to spend. 8% on purchases is around 10 percentage points lower than the Vanquis Classic Visa. The video then showed a cheque for £4,121. This aims to help you get used to how a credit card account works. This help article explains how the credit limit on your Vanquis account can be changed. 34. They gave me a credit limit of £500. We'll be in contact soon. I was utilizing it by anywhere from 20% to 90% and paying the balance in full after issuing the statement, so no interest to be paid. Over time we may increase your Credit Limit subject to you managing your Vanquis Visa Card well. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. For example, if your $5,000 overall. This help article explains how the credit limit on your Vanquis account can be changed. write a review. Show reviews in all languages. Some people seem to get increases quite often and others not that often at all, I am hoping that my increases are frequent as I have just been accepted and getting a bit bored with credit cards with rubbish limits, had my capital one 7 months and no. Most recently we’ve acquired Snoop, a platform which provides data-driven, personalised insights (or. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. If you increase your credit card spending limit, that will automatically lower the percentage of credit you’re using and generally raise your credit score. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. £129 of this balance was made up of late. Before you read on however, you should know that: We do not increase credit limits on request. We may increase your minimum payment. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. This aims to help you get used to how a credit card account works. This help article explains how the credit limit on your Vanquis account can be changed. 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. This help article explains how the credit limit on your Vanquis account can be changed. Vanquis (watch out!) 18 months ago I received a letter from a company called Vanquis offering me a credit card with an APR of 19. Vanquis have emailed to say they will increase my limit to £1000 at the end of September. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. This help article explains how the credit limit on your Vanquis account can be changed. It has two credit card products, both licensed by VISA. fixed. The first one is the Vanquis chrome card. , your representative rate is 34. It's a good idea to check your credit limit preferences in case you opted out of offers in the past. How to increase your credit limit. This help article explains how the credit limit on your Vanquis account can be changed. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. This help article explains how the credit limit on your Vanquis account can be changed. This aims to help you get used to how a credit card account works. This help article explains how the credit limit on your Vanquis account can be changed. For more information visit 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. This aims to help you get used to how a credit card account works. Last month I spent alot, but well within the limit - paid of the full amount on Monday (three weeks early) and for 85p more than the statement - today they blocked my card, which I only found out about at the supermarket checkout. If you go over your credit limit at any time during the month you will be charged a fee of £12. But this is unfair. As I was new to credit from August 2017, this limit increase would be the first time I've been granted a credit line above £450 with anyone. It's a good idea to check your credit limit preferences in case you opted out of offers in the past. In February 2018, the FCA (Vanquis’s regulator. Please enter your Vanquis Code. 29. but they looked surprisingly low. 9% and is still 59. Vanquis Banking Group, formerly Provident Financial plc, is a British bank headquartered in Bradford, England which specialises in credit cards, loans and consumer vehicle finance. Hi guys. I couldn’t keep this up so the account defaulted in June 2019 with a balance of £619. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. Lenders do not increase a credit limit on a whim, it is based on a set process which measures account handling; status of other credit accounts and affordability due diligence. To help you control your spending and payments, our credit card offers come with a tailored credit limit. This aims to help you get used to how a credit card account works. 2 June 2013 at 7:23PM in Credit cards. Your income is not shown on your credit reports, but the lender will likely have. Had vanquis card for one year, started on 39. Eligibility responses be presented inward 60 secondary. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Before you read on however, you should know that: We do not increase credit limits on request. I've had a Vanquis Visa since March with a £500 credit limit. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. There is no annual fee attached to Vanquis Bank’s Chrome. Report your card lost or stolen. These were not showing on my account this morning, and it states that these were charged on 16th. Have you been mis-sold credit von Vanquis credit card in the past? You could be entitled to a loan card refund. Call charges may apply, so please check their websites for details. Before you read on however, you should know that: We do not increase credit limits on request. Digitonomy Limited (trading as thimbl. While some cardholders find a higher credit limit can be useful for purchasing power and a possible improvement to their credit score, a higher credit limit may not be in. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. For further details, please refer to your credit card terms and conditions. So for the past period I've since trying to rebuild my credit history, so that at some point in the future if things improve continued I may have the option of owning my own starting. Applying to a Vanquis credit card is simply. Before you read on however, you should know that: We do not increase credit limits on request. If you take away your current credit card balance from your credit limit, the amount left is your available balance. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9% APR (variable). *Calls to 03 numbers from UK landlines and mobiles are normally included in free plan minutes if available, otherwise they cost the same as calls to 01/02 prefix. The FOS is an independent body that can help settle disputes between consumers and financial service providers. A credit mapping for those with bad loans who want to rebuild their account rating. View our credit card A simple online credit card application process 22 January 2010 at 5:46PM. Vanquis Bank can be contacted at its registered office, which is at No. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This aims to help you get used to how a credit card account works. Vanquis Credit Limits and Credit Increase: Initially, Vanquis maximum credit limits fall between £500 and £1,500, depending on your financial situation and credit history. Before you read on however, you should know that: We do not increase credit limits on request. You cannot transfer an amount higher than the available credit limit on your 118 118 Credit Card. This aims to help you get used to how a credit card account works. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Can I request a credit limit increase? You can't ask for a Credit Limit Increase (CLI), but we'll automatically review your account every month and let you know if you're eligible. We may increase your minimum payment. Judging by your starting credit limit, it may well be one of those. " 20th Jan 2020 "Great news - we're delighted to confirm your credit limit is going to be increased!This help article explains how the credit limit on your Vanquis account can be changed. 9% APR, again used regularly, always paid on. 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. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Vanquis said it's due to go on my account on the 23rd August, so its approx 5 days after your statement date. Say hello to better credit, and better banking. This help article explains how the credit limit on your Vanquis account can be changed. 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 card balance: £130. I had a multi-year bond with it and it was fine, with interest paid on time evey month to my nominated account and I don't remember any hassles on maturity. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. This aims to help you get used to how a credit card account works. 18. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: Charges* 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. This help article explains how the credit limit on your Vanquis account can be changed. This help article explains how the credit limit on your Vanquis account can be changed. Over time, if they prove that they are a responsible borrower, card users are able to increase their credit limit to a maximum of £4000. If you’re close to the credit limit on these agreements, your score may also be affected. 2) You are paying it off in full, thus no interest. I was surprised especially because she is a. That's 40% per year, not unreasonable for small amounts and/or for short periods. * 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. Vanquis Bank can be contacted at its registered office, which is at No. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. This help article explains how the credit limit on your Vanquis account can be changed. At first I used to pay my balance off in full each month but after the 4th month statement when I expected my. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. A Vanquis card needs to be about credit building only. ) is a credit broker, not a lender. The friendly chap on the phone did say that it can take up to 5 days from the 23rd to show on the account, so all in all could be up to 10 days from the statement date. I had Vanquis credit card with a starting limit of £250. Generally, income and expenditure + documentation is requested when Vanquis are making the decision to increase your limit solely on good handling of the account, but need to ensure that they are further lending responsibly. It’s free to use and if you win, they’ll. The Vanquis Credit Card has three different versions for its customers. Update your contact details. Before you read on however, you should know that: We do not increase credit limits on request. This aims to help you get used to how a credit card account works. If you had its Repayment Option Plan (ROP) on a Vanquis card – or on another credit card it issued under a. We need to ensure you are keeping these. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Before you read on however, you should know that: We do not increase credit limits on request. Learn about the ins and outs of the Vanquis Classic to help you decide if it's the. Minimum paymentsThe second article is Vanquis ROP – over limit charges not included. Bottom Line: Customers can use the Marbles card, like other credit-builder cards, to improve their credit history over time. 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. Back to navigation. I had an email this afternoon asking for my. The a liable lender we want to be sure you can comfortably manage my repayments. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 9% to 59. Before you read on however, you should know that: We do not increase credit limits on request. This aims to help you get used to how a credit card account works. The thimbl. tAre will give you not less than 30 days' notice if we propose to increase your Credil Limit. Also, have you tried just calling the credit card and asking for an increase in the credit limit? If you are responsible enough to have $10k in the bank then you probably also have a good history with the credit card which warrants a. starting credit limit could be between £250 and £1200. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. 99%: Cash Withdrawal Fee: 3% or £3, whichever is greater. Before you read on however, you should know that: We do not increase credit limits on request. 1A You may request an increase in your Credit Lirnit at any time but we are not obliged to grant it in full or in part. Understanding your credit limit are important when it comes to managing the credit you have. The cheque contained the text “For and on behalf of Merton Europe Limited”. charge) since I got this card). I maxed out the card within the 1 month and made minimum payments for 4 months with money mostly borrowed from my partner. The card offers manageable credit limits between £150 and £1000, with a potential increase after the fifth statement if repayments have been met. 8 July 2015 at 3:28PM. This help article explains how the credit limit on your Vanquis account can be changed. A credit mapping for those with bad loans who want to rebuild their account rating. • Set up and manage Direct Debits through. This aims to help you get used to how a credit card account works. 9% when closed. We'd like to apply your credit limit increase by 23rd January 2020 provided your account is being managed well. Rate of interest 26. get a personalised credit limit between £500 and £1,200. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. . With interest rates generally over 30% +, you'd be crazy to spend large amounts and leave a balance on it every month. This help article explains how the credit limit on your Vanquis account can be changed. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. Terms apply. This aims to help you get used to how a credit card account works. Depending on your circumstances, your thimbl. Registered number 02558509 England. You could build your credit limit up to £4,000 over time subject to good account management. You'll be able to: • View your current balance and available spend. Your thimbl. It is important that we look at your wider finances when deciding whether to give you a Credit Limit increase. Terms apply. Make payments on time. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. However, if you have a decent credit score, you may be offered a lower 9. This amount shows what you have left available. The card does the job but the high APR could be lowered, however the call centre staff are very friendly and helpful every time I ring. [2] It also offers fixed-rate and notice. In this guide. Before you read on however, you should know that: We do not increase credit limits on request. To reduce the interest charged we recommend you pay as much as you can when you can and not just theMotorists paying for fuel at many self-service pumps across the UK now face having up to £100 on their debit or credit card temporarily . 4. I applied for one of these Vanquis Credit Cards despite the extortionate interest rates as I am trying to rebuild my credit rating. ok, i hope i can explain this so its understandable. While some cardholders. You are now on track to rebuilding your credit and starting your journey to a higher Credit Limit. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. App works well. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. , your representative rate is 34. Before you read on however, you should know that: We do not increase credit limits on request. Your credit limit. Welcome to the Vanquis Visa Card. Go to the 'Payments" tab and choose 'Make a payment'. Your credit score will likely drop until you get your balance at that 30% or below. When it comes to your believe limit, you should think about these three different monthly: Credit limit This lives that limit amount available to use at your borrow. 1A You may request an increase in your Credit Lirnit at any time but we are not obliged to grant it in full or in part. Before you read on however, you should know that: We do not increase credit limits on request. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. If you use a debit card for your payment, your balance will update within 2 working days. I think an increase from a credit limit of £250 to £1,000 was a significant increase, under that guidance. 3. I was utilizing it by anywhere from 20% to 90% and paying the balance in full after issuing the statement, so no interest to be paid. But you wouldn't want to pay 40% on a £100K mortgage over 25 years. I have a Vanquis card with credit limit of £1250. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. 1Aand 2. Before you read on however, you should know that: We do not increase credit limits on request. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. card in most retailers, wherever you see the Visa sign. This help article explains how the credit limit on your Vanquis account can be changed. Vanquis Bank credit cards are issued on the Visa network so can be used in millions of places in the UK and abroad. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. So many people with these bad/no credit history cards, seem to be obsessed with limits, that's why so many of them, simply end up with £2k + balances paying £100 off, but being charged £70 interest each month. This aims to help you get used to how a credit card account works. For some customers, especially those offered an increase within 12 months from account opening. This is not applicable if the transfer is. 5 April 2012 at 6:38AM. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Learn about the ins and outs of the Vanquis Classic to help you decide if it's the best credit-builder cards for you. With you find out you are eligible, you can then apply with a Vanquis card. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Representative example: When you spend £1,200 at a purchase rate of 34. Although I would never use £1000 with Vanquis due to the interest rate and my income ratio, it would only benefit my outlook to lenders. Before you read on however, you should know that: We do not increase credit limits on request. Sometimes in life the things we want are beyond our credit limit, both what we want now and in the future. The Vanquis Purchase Card comes with a few benefits and features that differ from other credit cards. ” Vanquis Banking Group complained to the ASA that the adverts were misleading, because they implied the testimonials featured were from genuine customers. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Easy login with your personal passcode. Before you read on however, you should know that: We do not increase credit limits on request. Stay within the credit limit, always pay on time, and work to increase the credit limit over £1,000. Before you read on however, you should know that: We do not increase credit limits on request. 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. increase in their credit limit and not incur any related fees. However, since I bought the pass with my Vanquis credit card, I don't really know what. This aims to help you get used to how a credit card account works. I have a Vanquis credit card with an untarnished record - always pay it off in full each month. The earned income tax credit (EITC) for the lowest income bracket in the 2024 tax year has a maximum credit of $7,830 for three or more children — an increase. Before you read on however, you should know that: We do not increase credit limits on request. If we vary your minimum payment we will write to you to tell you. It comes with 29. If you do go over your Credit Limit You will incur an overlimit fee of £12 I t could be bad for your overall credit score It could stop you getting Credit Limit increases in the future Credit limit increases for Vanquis credit card customers. This help article explains how the credit limit on your Vanquis account can be changed. 7 November 2022 at 5:55PM. Cons. This help article explains how the credit limit on your Vanquis get can been changes. 84% (variable) p. 1 Godwin Street, Bradford, West Yorkshire. You can't ask for a Credit Limit Increase (CLI), but we'll automatically review your account every month and let you know if you're eligible. Call Vanquis, they can do a money transfer from your credit card in to your bank account. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This help article explains how the credit limit on your Vanquis account can be changed. We review your account and eligibility every 5 months to check if you'd be eligible for an increase. Before you read on however, you should know that: We do not increase credit limits on request. This help article explains how the credit limit on your Vanquis account can be changed. You also have a CCJ and the credit limits on your other accounts are very low, suggesting don't have much spare cash available every month.