You've may well have had a credit card application declined for any of the following reasons:

• you have a history of bad credit
• because you're new to credit
• you're on a low income
• have a bad credit rating
• you work part time
• are self employed

Vanquis, specialise in helping people understand why people may well be in one of the above poor credit situations. To date, they've already helped over 300,000 people in similar situations. You can make a Vanquis Visa credit card application in about 5 minutes and you'll get a response within about a minute, which could give you the financial flexibility and convenience that helps make life so much easier. It could also be your first step to repairing your credit and putting your bad credit rating behind you!