Choose Wisely. Vanquis Bank Limited is authorised by the Prudential Regulation Authority. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 7 April 2020 at 4:23PM. Representative 39. Increasing your limit means you have more flexibility to spend. The Vanquis Credit Card is another popular UK credit builder card. Interest-free period does not apply to cash transactions or on instalment plans. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Steps to get your free £25: Click the Vanquis referral link. The Vanquis Classic Visa comes with an easy-to-manage credit limit between PS150 and PS1,000 and may be eligible for a credit limit increase after your 5th statement, up to a maximum of PS4,000 subject to good account management (e. As a responsible lender we want to be sure you can comfortably manage your repayments. Initial credit limit as low as £250 - although it could be as high as £1,200 - subject to status. What is the highest credit limit with vanquis? No card fees: Vanquis does not charge customers monthly fees to use its cards. You need to be aware of the. Bad account management can exclude you from benefits like credit limit increases and interest rate reductions. We reserve the right to vary the limit. There is no annual fee attached to Vanquis Bank’s Chrome. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. As a responsible lender we want to be sure you can comfortably manage your repayments. You could also use the. If unsuccessful, this would leave a mark on your credit report, which could impact your ability to get credit in the future: A classic Catch. Increasing your limit means you have more flexibility to spend. Zopa. This by that Vanquis credit card holders may become eligible for a loans after they become a card holder. Increasing your limit means you have more flexibility to spend. Credit Limit. The mobile app from Vanquis has a rating of 4. My OH's interest with Vanquis started at 59. Increasing your limit means you have more flexibility to spend. Aqua card - £250 Limit up to date, Jd Williams £150 limit up to date, Argos store card £400 limit up to date, Next £300 limit up to date. How and. You’ll then have 9 months at 0% interest to pay off the balance. No annual fees. Moneybarn offers secured vehicle finance on a range of asset classes, new and used including cars, motorbikes and light commercial vehicles. Read our credit card guides to help you better understand credit cards and choose a card to suit you and your needs. Increasing your limit means you have more flexibility to spend. a. 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. To start to qualify for a Credit Limit increase, you should make your repayments on your Vanquis Visa Card and your other credit accounts on time and make good use of but not go over your Credit Limit. If you believe you have been mis-sold a Vanquis Loans Credit Card, it’s important to act quickly. Increasing your limit means you have more flexibility to spend. Enter your card number and select option '5' to select the preferences that best suit you. VAT number 180555952. write a review. 99% of the amount of any non-sterling. We may increase your minimum payment. Managing your credit. It will also include any fees you need to pay and the interest charged on your account since your last statement. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. . You could build and maintain your credit score if you manage your card responsibly. On first credit cards from Vanquis, the limit will be anything from £100 to £1,500, and it will depend on your circumstances. Grace Witherden In this article What do Vanquis Bank Credit Cards offer? How does Vanquis Bank compare to other providers? Is Vanquis Bank a good credit card provider? How we calculate Vanquis Bank's customer score and ratings Vanquis Bank credit card FAQs What do Vanquis Bank Credit Cards offer? Credit Builder Credit Card. This aims to help you get used to how a credit card account works. We will set your Credit Limit when we open your Account and will tell you what it is. As a responsible lender we want to be sure you can comfortably manage your repayments. I can assure you that no aspect of any Provident-issued credit could ever be considered "competitive" when compared to others - Vanquis's target market is high-risk, and the interest rates and charges reflect that. Increasing your limit means you have more flexibility to spend. For more details, read my article Vanquis ROP – a. With this credit card you could: improve your credit score if you manage your card responsibly get a personalised credit limit between £500 and £1,200 manage your. If Vanquis Bank is able to offer you this deal, the offer will specify a personalised credit limit based on Vanquis Bank's assessment of your situation. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. The Vanquis chrome 29. Key features of the credit product The type of credit The total amount of credit. VAT number 180555952. Increasing your limit does i have better flexibility to spend. Guidance for new customers or people considering Vanquis. This aims to help you get used to how a credit card account works. Build your credit rating with a Vanquis Credit Card. After my 4th statement I was hoping for a credit limit increase - I never did hear anything. No annual fee. Vanquis Bank Limited is authorised by the Prudential. starting credit limit could be between £250 and £1200. Find out information about credit limit, fees, charges, minimum payment & foreign usage. Then within 10 days you get your card and your credit limit, likely £250 but not certain. 9% (variable) p. Go over your credit limit. This could be used at a local newsagent, or you could send £1 to a friend of family, buy a £1 amazon gift card, or send money on paypal. Compare Vanquis Bank credit cards. They offer loans and credit cards to over 4 million customers in the UK, have an award winning app and are trusted and. Apply online and manage everything in our simple app. This credit limit is set by the card provider and is usually based on your income and credit history. As a responsible lender we want to be sure you can comfortably manage your repayments. At Vanquis, we’ll help you check online whether you’re eligible for one of our credit building cards. You could build your credit limit up to £4,000 over time subject to good account management. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 99% - 29. 12. This aims to help you get used to how a credit card account works. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. 5%. However, their timeline is particularly slow compared to how long the direct debit process takes, so I can understand why you are frustrated. The Vanquis Classic Credit Card is a credit-builder card that can help people with bad credit to rebuild their credit rating. Anyway, he phoned and they cancelled it there and then and said confirmation will. The Experian 'Credit Limits' service will allow you to see if you will get the credit limit you need before applying for a 0% balance transfer credit card with Vanquis or Capital One. Vanquis credit card. Enter your details and apply for a Vanquis credit card . Just had a discussion with Vanquis about my credit limit. This is the minimum amount that you must pay each month towards your credit card balance. Available balance: £370 (£500 minus £130). How we can help. Vanquis Bank can be contacted at its registered office, which is at No. Start with a manageable credit limit of £500 up to £1,500. Enter your details and apply for a Vanquis credit card. For further details, please refer to your credit card terms and conditions. Activate your card (using the App or by phoning Vanquis). Cons of the marbles credit card. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. All you need to do to trigger the bonus is make any spend - a £1 Amazon top up will do. It is quick and easy managing your Vanquis credit card with the Vanquis Bank App. a. born_again Posts: 12,328 Forumite. Hello everyone, I am looking to get a credit card to try and improve my credit rating and Vanquis have initially accepted me but I was wondering if it's actually worth joining them as I have seen a couple of horror stories. Increasing your limit means you have more flexibility to spend. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. Instead, it allows customers to build up their credit rating over time. Find out information about credit limit, fees, charges, minimum payment & foreign usage. You'll be able to: • View your current balance and available spend. With Vanquis, the following applies: Debit Card: Payment before midday to Vanquis will be visible the following evening (not the same day) at approximately 22:00 - 23:00. To start to qualify for a Credit Limit increase, you should make your repayments on your Vanquis Visa Card and your other credit accounts on time and make good use of but not go over your Credit Limit. 25 April 2016 at. As a responsible lender we want to be sure you can comfortably manage your repayments. vanquis credit limit increase offered. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Ask for a credit limit increase too soon after obtaining a new credit card. Increasing your limit means you have more flexibility to spend. As a responsible lender we want to be sure you can comfortably manage your repayments. Personal Loans. Vanquis is owned by Vanquis Bank which is a subsidiary of the Provident Financial Group. lf you use your Card or our Cheques for Cash Transactions,. Increasing your limit means you have more flexibility to spend. Representative 34. App works well. You can then start referring friends and family and earn the £25 referral bonus, there's no limit to how many people you. Check your eligibilityVANQUIS CREDIT CARD 2. Your credit limit can rise to £4,000. At Vanquis, our cash advance fee in £3 or 3% (of the amount withdrawn), whichever is greater. Enter your card number and select option '5' to select the preferences that best suit you. Credit Limit. Download it now and take advantage of these features and more: View your PIN and card details. As a responsible lender we want to be sure you can comfortably manage your repayments. This means that you can use your thimbl. You must not let the amount you owe us go over the credit limit. Increasing your limit means you have more flexibility to spend. This is because a credit score reflects how reliable you are with managing credit and making repayments. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Our market-leading. 0% interest for three months – If you miss a. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. As a responsible lender we want to be sure you can comfortably manage your repayments. 9% APR and £500 limit) isn't much cop. Increasing your limit means you have more flexibility to spend. Information for shareholders. Iwanttobefree Posts: 2,534 Forumite. (FCA) has today imposed a great of £1,976,000 on believe card lender, Vanquis, for failure to disclose that comprehensive price of an add-on product, called. No annual fee. 2013) to continue with my application for a credit card and I am shocked when he told me that I have been accepted and I will get my credit card within the next 7 working days and my pin number will follow. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Increasing your limit means you have more flexibility to spend. This aims to help you get used to how a credit card account works. Emergency Fund Savings £1002/£2000. Vanquis are offering a free £25 when you spend £1, within 30 days of signing up. No reviews yet. Vanquis have never increased my limit again though. Depending on your circumstances, your thimbl. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Check your transactions and 12 months of statements; Report your card lost or stolen. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,500 (Subject to status) Fees: There is no annual fee: Charges To be eligible to apply for a thimbl. Make payments and set up automatic payments. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. A guide to credit cards. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. This aims to help you get used to how a credit card account works. Our FAQ search tool contains help and guidance for a number of topics. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Vanquis Card - £1000 Limit Aqua Card - £1200 Limit Barclaycard Platinum - £2500 Limit Credit Utilisation 11%/Savings - £1800. Easy login with your personal passcode. See the example. Typically we will send your statement around 3-4 weeks before your minimum payment is due. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. * To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. It provides the credit card under VISA for uk residents. Enter your card number and select option '5' to select the preferences that best suit you. A tailored credit limit As a new customer, you'll start with a tailored credit limit with room to grow. Vanquis will check your eligibility first with a soft credit check. Manage your credit card using the Vanquis app. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. PD10259_Vanquis_17month_Planner_V22. Thimbl. Use too much of your available credit. Forumite. As I mentioned, I have no experience with Vanquis, but I would never trust any link in an e-mail from any credit card provider or financial institution. The Vanquis Purchase Card comes with a few benefits and features that differ from other credit cards. but they looked surprisingly low. This aims to help you get used to how a credit card account works. As a responsible lender we want to be sure you can comfortably manage your repayments. In February 2018, the FCA (Vanquis’s regulator). Initial credit limits are lower, between £150 and £1,000, with a 29. Vanquis is a visa credit building credit card, so it can be used to. Whether you have bad credit or little to no credit history, a Vanquis Credit Card can help. View our credit card A simple online credit card application processDownload the Vanquis App to quickly and easily manage your account. Find out information about credit limits, fees, charges, minimum payment & foreign. Credit limit: £500. As a responsible lender we want to be sure you can comfortably manage your repayments. For further details, please refer to your credit card terms and conditions. Get £20 back in Asda Pounds when you open a new credit card by 5 December 2023, spend £50 and set up a Direct Debit in the first 60 days by 5 December 2023. Until increase you credit limit, you shouldn make make of your credit without going over your limit, make. Credit limits to one Vanquis credit card vary between £150 and £4000; Cash withdrawal on an credit card can expenditure you a ticket away money;. 1 Starting Credit Limit £150-£1000 2 Credit Limit £1500 Use your Vanquis Credit Card regularly for everyday spending without going overlimit. Slashing the credit limit is the first stage before withdrawing the facility entirely. Vanquis started at £250 limit and after 3 or 4 months rose to £500 where it has stayed. 9% Representative. Steps to get your free £25: Click the Vanquis referral link. As a responsible lender we want to be sure you can comfortably manage your repayments. Use too much of your available credit. No annual fee. 7 stars on Google Play, based on over 172,000 reviews. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. A transaction refund does not normally count towards your minimum repayment so beware of relying on it. 31% APR (variable) Earn £5 statement credit when spending £15 or more at participating Shop Small retailers between 1. 8% APR (variable). 57★ by real people like you on Smart Money People. If you have a poor credit score you still have a high chance of getting this card and offer. Thanks! Dont know about Vanquis specifically, but my wife got Aqua CC for credit building and was given £500 limit. Forumite. 6 stars on TrustPilot (24,000 reviews – Jan 2022). Credit Builder Credit Card. As a responsible lender we want to be sure you can comfortably manage your repayments. You could build and maintain your credit score if you manage your card responsibly. Also unused facilities cost them money to maintain. Vanquis emailed offering credit limit increase from £500 to £1250 today so I clicked online to accept it and they asked for income and expenditure details. Before submitting your application, you can check your eligibility. As a responsible lender we want to be sure you can comfortably manage your repayments. Find out information about credit limit, fees, charges, minimum payment & foreign usage. To ensure your claim is successful, you must provide evidence that supports it. Ah well, I thought, my be after 8 or 12 months I will be given a credit limit increase. Increasing your limit means you have more flexibility to spend. £12 Tracing charge if we have to trace you. But it can be hard getting offered a big enough. Subsequently, Is it bad to ask for […]You borrow funds to make purchases on a credit card, up to an agreed credit limit. Check your eligibility in 60 seconds, with no impact to your credit score; Get a tailored credit limit to suit your needs;Credit Builder Credit Card. ️ Potential high-interest rates: most students don't have an excellent credit rating. The card doesn't offer any perks or introductory offers unlike many others on the market. 4. Credit limit between £500 and £1,200. For more information visit To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: ChargesAqua / Vanquis credit cards. Find out information about credit limits, fees, charges, minimum payment & foreign usage for the various Vanquis credit cards. The only exception might be if the refund effectively paid off the balance due. Vanquis Credit Card: get the best credit rating - SafeWayMoney 100% Vanquis Credit Card brings the best card for its customers to manage their credit limit. But we’ve also seen higher limits, in the $30,000 to $50,000 range. Apologies if not the right place. You withdraw £50: 3% of £50= £1. At Vanquis this depends on the APR for your specific credit card. Around 45 days ago I applied for vanquis credit card online and I have been approved and my credit limit is £1000 card and pin arrived and then tried to activate the card but what I see, they ask me to call customer service to confirm my income then they need 3 month of bank statement and three payslips with my Driving Leinces I sent them. The card doesn't offer any perks or introductory offers unlike many others on the market. Increasing your limit means you have more flexibility to spend. S. Onmo has a “great” rating of 4. Rates from 27. Home › Credit cards. Contact details like your email and at least one telephone number. Increasing your limit means you have more flexibility to spend. Hi All, I was wondering what is highest credit limit that one could progress on to on a Vanquis card. You can also choose Payit™ to make your payments easier and faster. 0. See ROP – the refunds are too small. get a personalised credit limit between £500 and £1,200. When it comes toward your credit limit, it shoud think about these three different amounts: Credit limit This is the best amount available to use on your credit. Vanquis Bank can be contacted at its registered office, which is at No. He has had the Vanquis card for 18 months now so has lots of green zeros. Enter your card number and select option '5' to select the preferences that best suit you. 5 million people get the credit they deserve! To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. The charges would probably all be £12 ones over the last 3 years or so. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. UPDATE In summer 2018 the first refunds were credited to people’s accounts. Steps to get your free £25: Click the Vanquis referral link. Our market-leading. This aims to help you get used to how a credit card account works. Make payments and set up automatic payments. * To build your credit rating and to be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay at least your monthly minimum payment on time. I have the Gold Vanquis card, and my limit is £3k. 1 1. As a responsible lender we want to be sure you can comfortably manage your repayments. I'm also with Vanquis which I opened in October 2014, got my first increase from £150 to £550 last month. American Express | Platinum cashback everyday credit card. Good for. Vanquis Bank offers a credit limit of between £500-£1,000 on its balance transfer deal, £500-£1,200 on its purchase deal, and £500-£1,500 on its credit builder. Enter your card number and select option '5' to select the preferences that best suit you. 9% APR - Proposal. The credit limit could increase to £4,000 over time. Increasing your limit means you have more flexibility to spend. Vanquis Bank can be contacted at its registered office, which is at No. Hi A4445, I'd had my Vanquis since around 2012, starting limit of £750, if I remember rightly. This aims to help you get used to how a credit card account works. As a responsible lender we want to be sure you can comfortably manage your repayments. Report your card lost or stolen. As a responsible lender we want to be sure you can comfortably manage your repayments. We will also charge an over limit fee as shown in Table 3 in A8. Report your card lost or stolen. . This aims to help you get used to how a credit card account works. 2013) to continue with my application for a credit card and I am shocked when he told me that I have been accepted and I will get my credit card within the next 7 working days and my pin number will follow. Going back in time but post-University I did have a Vanquis credit builder credit card, they seemed to be one of the few that were open to taking customers with no / bad credit ratings and whilst only having a low spending limit and high APR, it did give an option to obtain credit as a way to help increase your credit score - plus the high APR. Increasing your limit means you have more flexibility to spend. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Vanquis Bank’s chargeback time limit typically depends on the card company’s terms and conditions. Making a claim for mis-selling of Vanquis loans or credit cards requires certain documentation. Rates starting from 29. Credit limit: £500. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. 50) as it is greater than £3. Make a purchase using the Vanquis card (I just topped up my Amazon. Representative example: When you spend £1,200 at a purchase rate of 34. Make sure your credit reports are up to date and don’t contain any mistakes. to £1200, £1750, £2500 etc. You must be 18 or over to use our four-step eligibility check and apply for a credit card. Increasing your limit means you have more flexibility to spend. Hi all. The £25 arrived within a couple for days for me. The cards are good as 'credit builder' cards, as long as you pay off. 50 - In this example we charge £3 because it is greater than the 3% (£1. This aims to help you get used to how a credit card account works. The credit limit is the maximum amount of money you can borrow on your credit card. 5%. As a responsible lender we want to be sure you can comfortably manage your repayments. Vanquis is a bank that give credit cards to those with poor or no Credit history at all. 11 September 2010 at 11:26PM. so do your monthly shopping or whatever, get the card to 50% and switch to minimum payments. YOUR CREDIT LIMIT Your Credit Limit is the amount that we have agreed to lend you. nope, nothing, nada, zilch. Vanquis Banking Group meets the needs of its customers through three products: credit cards, vehicle finance and unsecured personal loans. card in most retailers, wherever you see the Visa sign. Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional. Address details and residential status. The best way to avoid being. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Visa Infinite cards come with a few additional perks over the. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. Increasing your limit means you have more flexibility to spend. You can make all kinds of purchases using this card. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). This aims to help you get used to how a credit card account works. 1. 5% APR (Variable) View Card Summary. 4 May 2015 at 8:05PM. Returned credit card cheque fee if a credit card cheque is not honoured. , like other cards offered by Vanquis, use the Visa credit card network. As a responsible lender we want to be sure you can comfortably manage your repayments. We are a leading specialist lender in the large and established credit card market and have a strong capital and liquidity position. 1 Starting Credit Limit £150-£1000 2 Credit Limit £1500 Use your Vanquis Credit Card regularly for everyday spending without going overlimit. In February 2018, the FCA (Vanquis’s regulator. It also provides a range of cards tailored to suit the needs of its customers, with a range of APR's, credit limits and promotional offers. Mr H wanted to complain about the increases to his credit limit Vanquis made after this. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. With credit limits of up to £1500 this card provides a fantastic ease of use and it is easy to apply online. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Vanquis is a card with very high interest rates and as your friend has done so well . Vanquis Credit Card 3) Capital One 4) The Easy Loans Credit Card. Increasing your limit means you have more flexibility to spend. In February, the FCA told Vanquis to give refunds to a million customers who had the Repayment Option Product (ROP) for their credit cards. 5% APR (Variable) View Card Summary. Your signature on the receipt will be checked against the one on the back of your Vanquis Visa credit card, so always sign the reverse of your Vanquis Visa credit card as soon as you receive it. It started many years ago whilst at University. Registered number 02558509 England. Some lenders won’t gives cards to people with bad credit, additionally some cards are one available to people with good credit scores. The Vanquis Balance Transfer Offer credit card lets you transfer your debt from one or more credit cards onto the Vanquis card. We reserve the right to vary the limit. Download it now and take advantage of these features and more: Verify online purchases. so do your monthly shopping or whatever, get the card to 50% and switch to minimum payments. Managing your trust limit. Because your method does not repair a credit rating and secondly, if you did have an emergency and found yourself stuck, then the Vanquis credit card might just be a lifesaver. Credit limit up to £1,500. Spreading costs of purchases into smaller amounts. This can be done in the form of relevant documents like bank statements, correspondence with Vanquis, and other supporting material. Build your credit rating with a Vanquis Credit Card. Credit limited on the Vanquis credit card vary between £150 and £4000 Cash withdrawal switch a credit card can cost you a lot starting money Vanquis Bank offer one main character of credit card and it is one from the most right known ‘credit builder’ credit cards in the UK. 3% to 34. It’s a really useful part of our process and it’s important you consider its recommendations. You could build and maintain your credit score if you manage your card responsibly. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Anthorn Posts: 4,362 Forumite. Using the Vanquis Bank App. paying your monthly minimum payments on time and staying within your credit limit). As a responsible lender we want to be sure you can comfortably manage your repayments. 3%, Representative example: 34. thimbl. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 5% variable APR. Depending on your circumstances, your thimbl.