Vanquis Credit Card
Vanquis may not be a name familiar to most of us and there's probably a good reason for this. Vanquis specialises in providing credit cards to those who may have had previous applications refused or those with credit problems.
For this reason the rates are exceptionally high at a minimum of 39.9% but with the potential to go as high as 59.9% - so what does that mean? It means, that it's going to take a very very long time to pay off anything you put on it if you only pay the minimum each month.
As this is a purely informative website, I'm not going to give personal feelings on a card with such extraordinarily high rates but instead give you the facts of the card. If you then choose to apply for it, so be it!
So what are the benefits? There's no annual fee, you're given a credit limit assigned at a fixed amount to help you stay in control, up to 56 days interest free on purchases, you can add a free additional cardholder, get free fraud monitoring, it's Visa so itis widely accepted in the UK and abroad and ther are friendly UK call centres.
If you've had a difficult financial period and you need a credit card to help you get your credit rating back on track then maybe Vanquis is for you - despite it's 39.9% APR!
0% credit card - MBNA Platinum
No only does the MBNA Platinum card offer attractive rates on balance transfers you also get a promotional rate on card purchases for a limited time. You can apply online and also manage your credit card via MBNA's secure online account system. MBNA Platinum card also comes with an early warning fraud system that monitors your account for unusual transactions, giving you added peace of mind.