Truly, credit cards with low APR are quite beneficial as it helps to improve your credit rating. Of course, there are several credit cards that come with low APR but it depends on your credit. The chrome credit card issued by Vanquis bank. This card issued on the visa network that comes with low APR as well as building or rebuilding credit for people with low credit. Vanquish is a company in the United Kingdom founded in 2003.
This company was established to provide options for persons who may have been declined by the high street’s banks or other issuers of credit cards. Vanquis Bank has accepted more than 3.5 million people in the UK for credit cards. As a result, it is the biggest provider of credit cards for building credit.
Presently, chrome credit card is Vanquis bank card with the lowest APR. It is also one of the lowest APR [Annual percentage rate] card and credit builder in the market. Therefore, if this is your first time of hearing about credit card or you have problem with your credit score.
This is the time you grab the opportunity and take control of your credit future. Vanquis chrome card has a representative APR that ranges from 29.5% to 59.9% depending on your creditworthiness.
Benefits of Chrome by Vanquis Bank
Without doubt, chrome credit card is a great card as it offers most benefits of unsecured credit cards. Also, it is specially designed for those who are struggling to build up their credit score. Hence, I will be highlighting what this card offers below;
- This card offers an initial limit from £250 to £1,000. However, it can be raised providing you show that you can manage the balance on your card responsibly.
- Vanquis chrome card is issued on the visa network. This implies that you can use it anywhere visa cards are accepted.
- There is high tendency that your credit limit could be increased up to £4,000 if you can manage your card correctly.
- This card is a credit builder as it helps to improve your credit score or rating.
- You can access your account online or through the App.
- You can use the eligibility checker to see if you’re approved in four steps without impacting your credit score.
- It offers award winning service.
- Get a response within one minute.
- Vanquis chrome card does not come with an annual fee.
- Payments reminders via email alerts and text.
- Enjoy peace of mind as your account is constantly monitored by the fraud team.
To get higher chances for credit limit, you should use your card responsibly. You should also pay your monthly minimum payment on time and stay within your credit limit. Otherwise, you could harm credit rating and make obtaining credit hard.
How to Apply for Vanquis Chrome Card
To apply for chrome credit card, you must be above 18 years of age, must not already have a vanquis credit card. Besides, you must currently reside in the UK and must not be legally restricted from obtaining credit. Thus, you can apply by following the guidelines below;
- Visit the chrome card official website on a web browser.
- On the homepage, scroll down a little and click on the CHECK ELIGIGILITY link.
- The next page is the application page. Enter your title, first name, last name, and date of birth.
- Your address – residential status, postcode.
- Then click on the number of years you have lived at your current address.
- Contact details – mobile number, home phone number, work phone number [optional], and email address.
- Your finances – employment status, your monthly income after tax, amount you pay towards rent or mortgage.
- Also answer the question that says ‘How much do you pay towards your other monthly outgoings?
- Then enter the number of dependants you have.
- Click on the yes or no button by answering the question that says ‘Would you be interested in an immediate Cash Advance? (if eligible).
- Accept the terms and conditions by ticking the box below.
- Lastly, click on the submit button.
You have just completed the chrome credit card application process. You will get a response within on minute where you will get details on the next steps. As you can see, applying for this card is quite easy and can be done in few minutes.
Chrome Credit Card Login
How can I login my chrome credit card account or how can I monitor my account activities? If you already have the Vanquis chrome card with you, you can monitor your account activities by logging in your account. The steps below teach you how to login your account;
- Visit the chrome card website using the link above.
- Click on the login link at the top right of the homepage.
- On the next page, click on ‘Log in to online banking’.
- Then the login page will appear.
- Enter the last six digits of your card number.
- Next is your date of birth in the format of [DD/MM/YYYY].
- Then enter the first character of your first name.
- Lastly, enter your last name in full.
- Having done this, click on the continue button.
Immediately, you will be signed in to your account. Meanwhile, the chrome card login process is quite different from that of other credit cards but secure. You can also login via Vanquis mobile app which can be downloaded on App Store or Google Play.