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Vanquis Bank Limited __________________________________________________________________________________ From Wikipedia, the free encyclopaedia Copy box right: Vanquis Bank Limited (Logo) Type                               Public Industry                        Finance Founded                       2002 Headquarters             Bradford Office Locations        London & Chatham Website                      www.vanquis.co.uk Vanquis Bank Limited Vanquis Bank Limited is a UK based company specialising in the provision of credit cards for the underserved market composed of those with little or no credit history or people who may have had credit problems in the past. Established in 2002, Vanquis Bank Limited is part of Provident Financial plc, a financial services group founded in Bradford over 130 years ago which is listed on the London Stock Exchange. Since the formation of Vanquis Bank Limited, the company has helped thousands of people obtain a credit card. Contents •	History •	Operations •	External links History Vanquis Bank Limited is part of Provident Financial, a leading UK financial provider. Provident Financial was founded in Bradford in 1880 by Joshua Kelley Waddilove, who devised a system to help local working class families to provide for themselves through the use of vouchers that could be exchanged in local shops. Since then, Provident Financial has increased in size, leading to the establishment of a home credit group in the 1990s and the formation of Vanquis Bank Limited in 2002. Vanquis Bank Limited has a banking licence from the Financial Services Authority (FSA), a consumer credit licence with the Office of Fair Trading and a licence from VISA International to operate and issue credit cards under the VISA brand.

Operations Vanquis Visa Credit Card Vanquis bank aims to be a responsible lender who provides Visa credit cards with a credit limit that enables customer’s to manage their account responsibly. Credit cards are universally accepted in the high street or when making telephone purchases. They are also the preferred method of payment for purchasing goods and services using the Internet. Many people with little or no credit history, previous credit problems, or families on lower incomes can find themselves excluded from having the utility and convenience of a credit card via mainstream lenders. Vanquis Bank provides credit cards to these people, but in a controlled way. Relatively low credit limits, the provision of a high level of customer service and transparent terms and conditions are all designed to help individuals stay on top of their credit and debt commitments. Using this approach, Vanquis Bank aims to help more people get back into, or be included, in the financial mainstream.

External Links Vanquis Bank Limited -    www.vanquis.co.uk Provident Financial -    www.providentfinancial.com/ How to Improve Credit rating  - www.vanquis.co.uk/credit-advice/improve-your-credit-rating/ yStats.com  Global Online Payment Methods 2010