If you have used more than 90% of your Credit Limit, then make a one off payment to your account to make some room for these extra items.

Check your balance regularlyYou need to make sure your balance does not go over your Credit Limit. Don’t rely on your monthly statement to keep track of your balance. Check your balance regularly by calling 01623 23 23 23* or check it online using eVanquis, our online account service. And remember, even if you don’t spend on your card that month, interest charges and other items such as Repayment Option Plan charges may be added to your balance which will increase your balance and could cause you to go overlimit.

DON’T GO OVER YOUR CREDIT LIMITYour Credit Limit is the amount that we have agreed to lend you. You need to avoid spending more than your Credit Limit.

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

• It could harm your ability to get further credit

WAYS TO AVOID GOING OVER YOUR CREDIT LIMIT

Remember your Credit LimitYour Credit Limit will be be printed on the letter that comes with your credit card. Don’t forget what it is, and be aware that we may increase or reduce your limit. If we do this we will inform you in writing.

Don’t spend right up to your Credit LimitSpending right up to or close to your Credit Limit can cause you to go overlimit. This can be due to items such as interest and Repayment Option Plan charges which are added to your account balance when your statement is issued. To avoid going overlimit, don’t spend right up to your Credit Limit and check your balance a few days before your statement is issued.

1

* Calls to 01 and 03 numbers from UK landlines and mobiles are normally included in free plan minutes if available; otherwise calls to 03 numbers cost the same as calls to 01/02 prefix numbers. Calls to 0800 or 0808 numbers are free from consumers’ mobiles and landlines.

Your Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank Limited registered office: No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No.221156).

WAYS TO AVOID MISSING YOUR PAYMENT

It is a good idea to make a note of your monthly payment due date, which is roughly the same time each month.

You can find out your payment due date by either calling 01623 23 23 23 or checking your paper or online statement. If this date is not convenient for you (if it is just before your pay day for example), you can change future payment dates by calling our customer service team on 0330 099 3000*. Please note that your payment date may not be on exactly the same date each month.

Make a note of your minimum payment due amountWhen you receive your monthly statement (or receive an SMS to say that your eVanquis statement is ready to view online), check your minimum payment due amount and make sure you have enough money to make this payment. If you pay by Direct Debit you need to make sure you have enough money in your current account.

Budget Budget Budget!It is a good idea to add up all your regular monthly bills (including your credit card bills) and calculate the difference between this and your monthly income. This will tell you how much spare money you have every month to spend.

Don’t bury your head in the sandIf you are having trouble making your minimum payments, then please call us immediately and we will seek to help you find a solution to paying off your debt.

KEEP ALL YOUR OTHER FINANCES IN ORDEROver time we may increase your Credit Limit subject to you managing your Visa Card well. It is important that we look at your wider finances when deciding whether to give you a Credit Limit increase. This includes other credit cards, loans, catalogues, mobile phones and mortgages you may have. We need to ensure you are keeping these accounts in good order, and haven’t taken on too much debt overall.

Useful NumbersCustomer Service 0330 099 3000*

QuickCall 01623 23 23 23*

Lost and Stolen0800 783 9003*

+44 161 444 4495if calling from outside the UK

eVanquis Website

www.evanquis.co.uk

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2 DON’T MISS YOUR MONTHLY PAYMENTIt is important that we receive at least your minimum payment by your payment due date each month. If you miss a payment:

• You will incur a late payment fee of £12

• It could be bad for your overall credit score

• It could stop you getting Credit Limit increases in the future

• You may incur the Return Payment charge of £12 if you pay us by cheque or direct debit and the payment is not honoured by your bank.

• It could harm your ability to get further credit

3

3Steps to managing your new Vanquis Visa Card

30 day calendar insideStep by step guide to managing your account

PD10255_Vanquis_30day_Wall_Chart_V17.indd 1 27/10/2015 09:22:47

Day 1

Day 1Day 7

Day 13

Day 19

Day 25

Day 2 / 3

Day 8

Day 14

Day 20

Day 26

Day 4

Day 9

Day 15

Day 21

Day 27 / 28 / 29

Day 10 / 11 / 12

Day 16

Day 22

Day 5

Day 17

Day 23

Day 6

Day 18

Day 24

Day 30

Reminder!Check card

balance

mid month to make

sure not too close

to Credit Limit.

Statement created

Your statement will show your minimum payment due and payment due date.Items such as Repayment Option Plan, interest, fees and charges are added to your account today.

If you receive a paper statement, you should have received it by now.

TIP!

Payment due reminder

Signed up to eVanquis? We will send a payment reminder to your mobile and email account.

If you are not able to make your monthly payment please call us straight away on 0330 099 3000*.

Payment dueIf you think these items will take you overlimit, you need to make an extra payment to your Visa Card before your statement is issued.

My Monthly Vanquis Visa Card Calendar – The steps to help you stay in control.

Ways to check your balance

• Online with eVanquis• Call QuickCall on

01623 23 23 23

Your statement is issued on the same date every month (unless it falls on a Friday/Saturday then it is issued on the Sunday).

To change your monthly minimum payment due date from next month, to just after your pay day call us on 0330 099 3000*.

TIP!

My Statement Date

Statement issued on the

of every month.

Your statement is usually issued on the same

date of every month (unless it falls on a Friday

or Saturday then it is issued on the Sunday).

Going over your Credit Limit by just £1 could affect your credit score and you may incur a fee of £12.

Being just one day late with your monthly payment could affect your credit score and you may incur a fee of £12.

Statement created

Your statement will show your minimum payment due and payment due date.Items such as Repayment Option

Plan, interest, fees and charges are added

to your account today.

Day 1 of next month

At least your minimum payment must have reached your account by today.

TIP!

TIP!

My Payment DateMy monthly payment

is due around the of every month.

Your monthly payment date is 25 days after

your statement date. If this date falls on a

Saturday or Sunday, your payment will be taken

on a Monday.

Close to your Credit Limit?Then make a one-off payment to your Visa card using your debit card by calling us on 0330 099 3000* or via www.vanquis.co.uk and click on

Ways to make an extra payment with a debit card. • Call us on 0330 099 3000*

• Via www.vanquis.co.uk and click on

For other ways to make a one-off payment please check the back of your statement.

of everymonth

Register for eVanquis Online Account Servicing to have direct access to your account. Once you’ve registered, you’ll have 24/7 access to your credit card account online. You’ll be able to view your current balance and latest

transactions, access your last six months of statements, and pay your credit card bills with any UK debit card, helping you stay completely in control of your money. For more information go to www.evanquis.co.uk.

Reminder!If you ar

e nearly up to your

Credit Limit don’t u

se your

Credit card until y

ou have

reduced your bala

nce. You may

have to make an ex

tra payment

now to cover any e

xtra items*

that will be added

when your

next statement is iss

ued.

Around

of every month

Around

of every month

This calendar illustrates the stages of your monthly account cycle.

Day 1 is the day your statement is created.

PLEASE NOTE: Day 1 Does not mean the 1st Day of the month.

Reminder!If you m

ake your

card payments by

direct debit check

bank account to m

ake

sure there is enou

gh

money to cover monthly

payment.

Reminder!Allow enough time for your payment to reach us before your payment due date. Check your minimum payment and payment due date either on your statement or QuickCall O1623 23 23 23.

You can set up a Direct Debit to pay just the Minimum Payment or to pay the full balance off your card each month. You can also make top up payments at anytime during the month. Simply call 0330 099 3000*.

TIP!

*These additional items might include:

• Interest• Fees and charges• Repayment

Option Plan

With our dedicated mobile apps for Android and iOS at your fingertips, you can stay in control of your Vanquis Visa credit card wherever you are. Simply register for eVanquis, download the app, and you’ll be able to view your latest transactions, keep tabs on your balances, and make repayments to your account whenever it suits you.

PD10255_Vanquis_30day_Wall_Chart_V17.indd 2 27/10/2015 09:22:50