FIND OUT WHAT THE ORIGIN CREDIT CARD CAN DO FOR YOU
YOUR FIRST STEP TO A BETTER CREDIT RATING
The Origin credit card can be a great way to build a strong credit rating by demonstrating to future lenders that you can manage credit responsibly. We look for ways to accept you when other issuers may not. If you’ve had credit problems in the past or have limited credit history you may have more chance of acceptance with the Origin credit card.
Just remember that in order to give the best chance of building your credit limit you'll need to use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. Keep your other accounts such as credit cards, loans, catalogues, mobile phone and mortgages in order and don't take on too much debt elsewhere. Not following these steps could actually harm your credit rating and make it harder to get credit.
THE UK'S LARGEST SPECIALIST PROVIDER OF CREDIT BUILDING CARDS
Vanquis Bank has been issuing credit cards since 2003 and in that time we've already helped over 3.5 million people in the UK get the credit they deserved. (Correct as of September 2017)
We put the customer at the heart of everything we do, we believe that's why we're rated 8.1 out of 10 by our customers on TrustPilot (As of May 2018).
A MANAGEABLE STARTING CREDIT LIMIT
At Vanquis Bank, once affordability checks have been passed, we always try to say ‘yes’ wherever possible. We focus on your current credit situation and recent credit history rather than just dwelling on any mistakes you may have made in the past.
Once accepted, we’ll allocate you a sensible starting credit limit of between £150 and £1,000. You could get a credit limit increase after your fifth statement and every fifth statement after that. You can build your credit limit up to £3,500 by using your card sensibly, staying within your credit limit and paying your monthly repayment on time. Just remember you can choose to decline any increases so you stay in control.
OUR SIMPLE ELIGIBILITY CHECK WITH A RESPONSE IN 60 SECONDS
Putting our customers at the heart of everything we do we've worked hard to make our Eligibility Check as easy as possible to complete by keeping our questions simple to understand. We've also worked hard to make completing our form a great experience whether on a PC, Mobile or Tablet.
Once you've completed an Eligibility Check we'll normally give you a response within 60 seconds which is where we will give you details on the next steps.
KEEP TRACK OF YOUR ACCOUNT USING ONLINE SERVICING
As Origin is operated by Vanquis Bank you can take advantage of the same great features so you can manage your account through the eVanquis.co.uk website which allows you to check your balance, keep track of recent transactions and make payments.
MANAGE YOUR ACCOUNT ON THE GO WITH OUR 5* APP
As Origin credit card is managed by Vanquis Bank you can benefit from their world class online app which works on IOS (Apple) and Android devices. You can login with your fingerprint, check your balance, see recent transactions and make or manage your payments.
5 Star rating correct on iTunes as of June 2018.
AN AWARD WINNNING SERVICE
Vanquis Bank has a long history of winning awards, although the one we're most proud of is winning Moneyfacts 'Credit Building Card Provider of the Year' award every year between 2015-2018. It's largely based on customer feedback and particularly focuses on the great service we give our customers.
24/7 FRAUD WATCH
You'll benefit from having a dedicated fraud team who will monitor your account 24 hours a day, 7 days a week to minimise the chance of you being a victim of fraud. If the worst should happen they will work closely with you to help resolve the issue as quickly as possible.