NEO Credit Card

 APPLY ONLINE

Credit Needed
Bad Credit
  • Start with an easy to manage credit limit of between £150 and £1,000 and you could get a credit limit increase every 5 months up to £3,500
  • Pay bills straight from your NEO Credit Card
  • Good for applicants who want to build or rebuild their credit rating
  • Never miss another payment with SMS alerts and reminders
  • Take a payment holiday for 1 month per year, after 6 months of responsible account use
  • You must be a UK resident, aged 18 years or over, and must not be bankrupt
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond,Chrome)
  • Representative APR (variable)
    39.9%
    APR
    Balance Transfer APR
    n/a
    Balance Transfer Fee
    n/a
    Annual Fee
    £0
    Credit Needed
    Bad Credit

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.9% p.a. (variable)


NEO Credit Card summary

The NEO Credit Card from Vanquis is ideal for those with a less than perfect credit score.  If payments are made on time and spendings are kept within the credit limit, customers may see an improvement in their credit rating, and their ability to obtain credit in the future

Key features of this card

  • Representative 39.9% APR (variable)
  • Start with an easy to manage credit limit between £150 and £1,000 - then you could get a credit limit increase after your 5th statement up to £3,500
  • Transfer money quickly to friends and family (all you need is their name, sort code and account number)
  • Pay bills straight from your NEO Credit Card Account (note: you cannot use your NEO Credit Card Account to make payments to your mortgage, other credit cards or personal loans)
  • A friendly UK Customer Service call centre
  • Online and SMS Account Management
  • No annual fee
  • Up to 56 days interest free on purchases
  • Free additional cardholder
  • Free fraud monitoring - Vanquis will warn you of any suspicious activity on your account
  • Chip & PIN technology for added security whenever you use your card
  • Visa is widely accepted in the UK and abroad
  • Convenient for paying online and over the phone

Acceptance criteria in addition to credit check

  • Aged 18 years or over
  • UK resident
  • No bankruptcy within past year (or pending bankruptcy action)
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond, Chrome)

* Your Credit Limit could be increased up to £3,500 when you stay within your Credit Limit and make your payments on time