Knowledge

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Advice

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Choices

Choose from a wide range of products to enhance your wealth and meet your needs.

Featured Card: Vanquis Visa Card

Introductory APR on purchases: 2.84% Monthly Rate
Interest-Free! 0% for 56 days
No annual fee; A credit limit assigned at a fixed amount to help you stay in control.

Representative Example:
Purchase annual interest rate 39.94% (variable)
Amount of credit £1000
Representative 39.9% APR (variable)

Vanquis Visa Card is issued by Vanquis Bank Limited. Registered office Colonnade, Sunbridge Road, Bradford, BD12LQ. Registered number 2558509 England. Consumer Credit license 532364.

Recent Financial News»

VIDEO: Greece restarts debt crisis talks
(source: BBC News, Mon, 06 Feb 2012 15:37:54 GMT)
The BBC's Aaron Heslehurst on the resumption of Greece's debt crisis talks and China's refusal to pay a new EU airline tax.

'Odd Couple' claim over Redknapp
(source: BBC News, Mon, 06 Feb 2012 14:17:51 GMT)
Harry Redknapp and former Portsmouth FC chairman Milan Mandaric were like "The Odd Couple", a court hears.

P45 tax form is given a reprieve
(source: BBC News, Mon, 06 Feb 2012 13:45:26 GMT)
The P45 has been given a reprieve by the UK tax authority after employers said they did not want to see it go.

Complete news coverage»

Moneytip of the Day»

Establishing Credit
If you are new to using credit or a recent immigrant, take out a credit product in order to build your credit history. A credit history is extremely important to building wealth because it is necessary to have access to the financial mainstream. Scores are determined by 5 main categories:
more»

Question of the Day»

How are credit scores calculated?
Credit scores are determined using mathematical formulas that predict risk. The data used in the calculation of the formulas can be summarized as follows:

a. Payment History - Repayment behavior, including timeliness, the incidence and severity of delinquency, and the presence of charged-off accounts, plays the largest role in calculating a score.
b. Utilization of credit - This reflects the amount of credit outstanding (owed/used) relative to the total available credit.

more»

Term of the Day»

Capitalized Cost
The amount of money you finance in a lease. Also referred to as "cap cost." If you make a down payment in a leasing situation, it is often called a "cap cost reduction."