With credit limits of up to £1500 this card provides a fantastic ease of use and it is easy to apply online. Ways of borrowing: Credit cards offer a way of borrowing money for your everyday purchases. Thanks. At Vanquis this depends on the APR for your specific credit card. 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. Your credit limit can rise to £4,000. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Check your eligibilityVanquis themselves promote that the 5th month is when they review your credit limit. For further details, please refer to your credit card terms and conditions. Enter your card number and select option '5' to select the preferences that best suit you. Slashing the credit limit is the first stage before withdrawing the facility entirely. If the limit on a card is lowered by $2,500 but the balance stays the same, your credit utilization rate would increase to 67% ($5,000 divided by $7,500)—which would likely hurt your credit. Vanquis will check your eligibility first with a soft credit check. This aims to help you get used to how a credit card account works. Therefore the Aquis may be more desirable if you want a higher starting limit. A tailored credit limit As a new customer, you'll start with a tailored credit limit with room to grow. 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. Hi, I am shocked as I applied for a vanquis credit card last week and advicer from vanquis bank phoned me yesturday (30. Increasing your limit means you have more flexibility to spend. Every card has specific consumers. 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. 99% (Variable) $95. probably acknowledging the daily transaction limit of some banks but also handy for making a test. 13 January 2016 at 9:21PM. The Vanquis Visa Card offers you manageable Credit Limit increases. Pay My Card Login. This aims to help you get used to how a credit card account works. Increasing your limit means you have more flexibility to spend. To complete the eligibility check you will need to provide a few details: Personal details like your full name and date of birth. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. As a responsible lender we want to be sure you can comfortably manage your repayments. This aims to help you get used to how a credit card account works. They offer loans and credit cards to over 4 million customers in the UK, have an award winning app and are trusted and liked by their customers, averaging 4. The Onmo app has a score of 4. As a responsible lender we want to be sure you can comfortably manage your repayments. Used well a credit card can be a secure and flexible way to spread costs. You can make all kinds of purchases using this card. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. Vanquis Bank can be contacted at its registered office, which is at No. 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. is a trading style of Digitonomy Limited which is a credit broker not a lender. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Check your transactions. 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. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. Vanquis Bank can be contacted at its registered office, which is at No. write a review. Typically we will send your statement around 3-4 weeks before your minimum payment is due. Vanquis is a visa credit building credit card, so it can be used to. Credit limit: £500. I like the Vanquis app because it’s simple, it’s dead easy to use and I’m not a massive technological wizard. 9% APR - Proposal. I have a Vanquis gold credit card, limit of £3000 To make is simple, the balance for 2 years (24 months) has been near the limit full,6 (lets say £2500 for similciy) and have been paying just above the minimum payment every month (lets say £200/month) and yes I know alot of interest was accumulated during this time, but now am able to pay. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. We will set your credit limit when we open your account and will tell you what it is. 3%. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Report your card lost or stolen. Build your credit rating with a Vanquis Credit Card. Find out information about credit limit, fees, charges, minimum payment & foreign usage. Chrome Credit Card. Manage your credit card using the Vanquis app. Vanquis Bank can be contacted at its registered office, which is at No. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. but they looked surprisingly low. , as they’re typically only the most high-end credit cards offering the best benefits of any card on the Visa network. We may increase your minimum payment. The Vanquis Classic Credit Card is a credit-builder card that can help people with bad credit to rebuild their credit rating. As a responsible lender we want to be sure you can comfortably manage your repayments. card in most retailers, wherever you see the Visa sign. Amazon Platinum Mastercard. 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. The main Vanquis number on a scam 0870 number is 0870 8507755, or alternatively 01634 793500, where if you call during office hours the phone is answered by a 'real' person and no press button 1 etc. This aims to help you get used to how a credit card account works. 13 January 2016 at 7:07PM in Credit cards. Zopa. 2) You are paying it off in full, thus no interest. Some lenders won’t gives cards to people with bad credit, additionally some cards are one available to people with good credit scores. Apply Online. This aims to help you get used to how a credit card account works. Credit Cards . Increasing your limit means you have more flexibility to spend. Increasing your limit means you have more flexibility to spend. The charges would probably all be £12 ones over the last 3 years or so. Steps to get your free £25: Click the Vanquis referral link. if refunded by then, would that amount be extra credit limit or used by Vanquis to pay off current credit balance? Thanks in advance. The Vanquis Visa Card helps people who want to build their credit rating and has already helped over 3. 5%. 99% - 29. Getting your Vanquis credit card statement. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Date of birth (in the format of DD/MM/YYYY) First character of your First Name. Download the Vanquis App to quickly and easily manage your account. Registered number 02558509 England. Some reviewers reported higher limits and lower scores, such as the person with a 662 score and a $15,000 limit. Read our credit card guides to help you better understand credit cards and choose a card to suit you and your needs. indd 2 21/10/2015 14:25:03 How to request a replacement credit card. Unlike a bank account which updates in real time. Click here to read 417 customer reviews of Vanquis Credit Card, rated 4. Check your eligibilityManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Got 0% interest for the first 12 months and my credit score seemed to improve, since then they keep offering me the chance to increase my credit and windows for 0% balance transfers, but I think they do charge a monthly fee of around £9. As a responsible lender we want to be sure you can comfortably manage your repayments. Vanquis Credit Cards; Apply for ampere bank joker; Credit cards for bad recognition; Credit building credit cards; AMPERE guide to credit cards; Credit card eligibility checker; Loans . * 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. Download the Vanquis Bank App. 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. VAT number 180555952. * 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 was utilizing it by anywhere from 20% to 90% and paying the balance in full after issuing the statement, so no interest to be paid. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. It is quick and easy managing your Vanquis credit card with the Vanquis app. Manage your credit card using the Vanquis app. As a responsible lender we want to be sure you can comfortably manage your repayments. paying off at least the minimum amount each month. Managing your trust limit. Moneybarn offers secured vehicle finance on a range of asset classes, new and used including cars, motorbikes and light commercial vehicles. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. And what was your starting credit limit with Vanquis. 5% variable APR. 0/5. 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. Hello my vanquis credit card is on its way and I don't know what my limit is yet. No annual fee. Activate the card on the Vanquis app. Your thimbl. You’ll then have 9 months at 0% interest to pay off the balance. If you spend too much on a credit card and go over your agreed credit limit, you may be charged a fee. As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Start with a credit limit tailored to you; Seamlessly manage your account with the Vanquis app; Representative 34. Prior you readers on when, they require know that: We. Make a purchase using the Vanquis card (I just topped up my Amazon account). Your Vanquis details. 1) Your credit is not so good so your limit is £250. Our app also makes it easy to track your spending to help you stay within your limit. This aims to help you get used to how a credit card account works. Check your transactions and 12 months of statements. You can use the three main credit reference agencies – Equifax, Experian or TransUnion – to check your reports and have them corrected. This aims to help you get used to how a credit card account works. Just had a discussion with Vanquis about my credit limit. Vanquis is owned by Vanquis Bank which is a subsidiary of the Provident Financial Group. 9%, despite the limit being slowly increased to £2,000 and no missed payments / overlimit. Guidance for new customers or people considering Vanquis. You'll be able to: • View your current balance and available spend. As a responsible lender we want to be sure you can comfortably manage your repayments. Increasing your limit means you have more flexibility to spend. Spreading costs of purchases into smaller amounts. Used well a credit card can be a secure and flexible way to spread costs. What is the highest credit limit with vanquis? No card fees: Vanquis does not charge customers monthly fees to use its cards. 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. If we vary your minimum payment we will write to you to tell you. Apply online and manage everything in our simple app. Credit card users mis-sold an add-on product are to be contacted about how they can claim repayments for unfair charges. View our credit card A simple online credit card application processDownload the Vanquis App to quickly and easily manage your account. Make a Vanquis Loans Credit Card Claim. In February 2018, the FCA (Vanquis’s regulator). Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). born_again 12,228. This could be as much as £10 or more. • Report your card as Lost or Stolen • View and download monthly statements • If eligible, check out our latest offers including Balance Transfers, Money Transfers and Credit Limit Increases Download and. Mr H wanted to complain about the increases to his credit limit Vanquis made after this. Enter your details and apply for a Vanquis credit card. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). 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. After your 5th statement, you may be eligible for a credit limit increase with further increases every 5 months subject eligibility. You need to be aware of the. 5% after £1 of monthly spend. I want to do this to avoid these fees, and. Spreading costs of purchases into smaller amounts. I would rather have had a loan, but instead I was offered a Credit Card. There is no annual fee attached to Vanquis Bank’s Chrome. This aims to help you get used to how a credit card account works. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. Increasing your limit does i have better flexibility to spend. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Just had another increase on my Vanquis card to £2500 limit. This aims to help you get used to how a credit card account works. 3. This means that you can use your thimbl. Increasing your limit means you have more flexibility to spend. The minimum limit offered on the card is £500, while the maximum is £1,500. You could build and maintain your credit score if you manage your card responsibly. For further details, please refer to your credit card terms and conditions. The only exception might be if the refund effectively paid off the balance due. You could build and maintain your credit score if you manage your card responsibly. Ok, So I have been with Vanquis for just over 12 months now. Make a purchase using the Vanquis card (I just topped up my Amazon. 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. This aims to help you get used to how a credit card account works. Download the Vanquis Bank App. Contact details like your email and at least one telephone number. This aims to help you get used to how a credit card account works. Check your eligibility in 60 seconds, with no impact to your credit score; Get a tailored credit limit to suit your needs;You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. The minimum limit offered on the card is £250, while the maximum is £250. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. There are only a few Visa Infinite cards in the U. Download it now and take advantage of these features and more: Verify online purchases. cheri15 Forumite Posts: 14 Forumite. I use the card every month (I usually pay all of my car parking fees on it) and pay it off in full. Credit Builder Credit Card detailed summary. As a responsible lender we want to be sure you can comfortably manage your repayments. We reserve the right to vary the limit. Build your credit rating with a Vanquis Credit Card. The interest payment limits vary from £250 to £1,000, and the APR represents 29. VANQUIS CREDIT CARD CREDIT CARDAGREEMENT REGULATED BY THE CONSU}IER CRED]TACT 1974 1. Our guide includes information on credit limits, how they work and their impact on your credit score. Increasing your limit means you have more flexibility to spend. Credit limits between £250 and £1,500; Chance to increase credit limit up to a maximum £4,000; Credit limit reviewed every 5 months; £10 monthly minimum. It started many years ago whilst at University. Wait for your card to arrive, Activate your card (using the App or by phoning Vanquis). Credit Limit. Vanquis are offering a free £25 when you spend £1, within 30 days of signing up. All you need to do to trigger the bonus is make any spend - a £1 Amazon top up will do. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Credit Builder Credit Card detailed summary. Applicants with no credit history, poor credit history or are unemployed are all considered. 1 Starting Credit Limit £150-£1000 2 Credit Limit £1500 Use your Vanquis Credit Card regularly for everyday spending without going overlimit. As a responsible lender we want to be sure you can comfortably manage your repayments. See up to 12 months of statements. As a responsible lender we want to be sure you can comfortably manage your repayments. Vanquis's lowest-APR, credit-building card is designed to help you improve your credit rating. With a Vanquis Credit Card, you could build your credit score over time if you manage your card responsibly. credit card, you must be over 18 years-old and live in the UK. 21. As a responsible lender we want to be sure you can comfortably manage your repayments. 5% APR (Variable) View Card Summary. Enter your card number and select option '5' to select the preferences that best suit you. I had an email this afternoon asking for my. 34. Ask for a credit limit increase too soon after obtaining a new credit card. We will also charge an over limit fee as shown in Table 3 in A8. Before submitting your application, you can check your eligibility. Most recently we’ve acquired Snoop, a platform which provides data-driven, personalised insights (or. Home › Credit cards. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Credit Builder Credit Card. This aims to help you get used to how a credit card account works. Bad credit + no interest = too risky to give you more credit. Improve credit score: If you have a bad credit score or no credit history a credit card could help. Everything else including the APR stays the same as before. Bad account management can exclude you from benefits like credit limit increases and interest rate reductions. This aims to help you get used to how a credit card account works. Generally, cardholders should advise Vanquis Bank within 120 days from the date of the transaction, however, cases can extend up to 540 days and even beyond that with certain card companies. 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. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Receive £25 credit on your card to spend (£1 of this will be used to cover the £1 transaction you made in step 4). I'm currently in the process of rebuilding my credit file. On benefits so no problems there but now I've had a text requesting proof of income via secure upload. Make payments and set up automatic payments. Increasing your limit means you have more flexibility to spend. Increasing your limit does i have better flexibility to spend. You withdraw £150: 3% of £150= £4. Vanquis Bank can be contacted at its registered office, which is at No. Borrowing; Personal advances;. starting credit limit could be between £250 and £1200. Vanquis Banking Group at a glance. How we can help. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. At Vanquis, our cash advance fee in £3 or 3% (of the amount withdrawn), whichever is greater. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. You could also use the. Got 0% interest for the first 12 months and my credit score seemed to improve, since then they keep offering me the chance to increase my credit and windows for 0% balance transfers, but I think they do charge a monthly fee of around £9. We will set your Credit Limit when we open your Account and will tell you what it is. 5% APR (variable) Your APR and credit limit may vary based on your circumstances. Registered number 02558509 England. Credit limit Minimum credit limit: £500: Maximum credit limit: £1,200 (Subject to affordability) Fees: There is no annual fee: ChargesAqua / Vanquis credit cards. 0. pcc2304 Forumite. Go to the 'Payments" tab and choose 'Make a payment'. Make a transaction of £1 or more (I just topped up my Amazon account by £1 for this but you can also just buy something in any shop (with a value of atleast £1). Increasing your limit means you have more flexibility to spend. Increasing your limit means you have more flexibility to spend. This aims to help you get used to how a credit card account works. As a credit-builder card, Vanquis Classic interest rates are higher-than-average, but these can be. This aims to help you get used to how a credit card account works. Check your eligibilityManaging your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. 25 April 2016 at. The Vanquis Purchase Card comes with a few benefits and features that differ from other credit cards. 3% cashback on fuel purchases. We may increase your minimum payment. As a responsible lender we want to be sure you can comfortably manage your repayments. You can easily set up a Direct Debit on our app and choose a payment date that suits you. Loans of between £1000 or £5000 are available and they are repayable over 1-3 year with a representative MONTH of 39. To complete the eligibility check you will need to provide a few details: Personal details like your full name and date of birth. Any credit that is obtained as a result of an application will be provided by Vanquis Bank Limited. 3% to 34. 9% in August so he opted out and closed the account. Until increase you credit limit, you shouldn make make of your credit without going over your limit, make. View our credit card A simple online credit card application process Credit cards. As a responsible lender we want to be sure you can comfortably manage your repayments. If you have a poor credit score you still have a high chance of getting this card and offer. Forumite. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Initial credit limits are lower, between £150 and £1,000, with a 29. Buttons FeaturesCredit limits between £250 and £1,500Chance to increase acknowledgment limit up up a maximum £4,000Credit limit reviewed every 5 months£10 monthly. The Vanquis Balance Transfer Offer credit card lets you transfer your debt from one or more credit cards onto the Vanquis card. You can make secure contactless purchases above the £100 limit in shops, online and in apps. 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. If you use a debit card for your payment, your balance will update within 2 working days. This aims to help you get used to how a credit card account works. Steps to get your free £25: Click the Vanquis referral link. What i need know is if there is any way that Vanquis would allow me to withdraw the full £900 from an ATM/Bank? My daily withdrawal limit is 20% (£250) charged at £3 per time. Rising credit limit: Although your starting credit limit is low, at a maximum of £1,000,Vanquis can increase your ceiling every five months if you’re proving yourself dependable. A credit limit is the maximum you can spend on your credit card. Vanquis offers a range of credit card products, unsecured personal loans and savings products. 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. Like it should be. 9%. Are Provident generous when it comes to increasing limits or will they refuse me? The only negative I can think of is that I’ve taken on two other credit cards besides vanquis which are both maxed out - on 0% offers, so I’m not drowning in interest. You can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. 2m credit card customers. It primarily services customers with a sub-prime credit history who have been declined for credit from mainstream lenders. The Vanquis Credit Card is another popular UK credit builder card. For further details, please refer to your credit card terms and conditions. Usually, you’ll want to provide the following information: Their. A credit limit is the maximum you. Thimbl. Making a claim for mis-selling of Vanquis loans or credit cards requires certain documentation. 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. As a responsible lender we want to be sure you can comfortably manage your repayments. How and. Whether you have bad credit or little to no credit history, a Vanquis Credit Card can help. PD10259_Vanquis_17month_Planner_V22. To reduce the interest charged we recommend you pay as much as you can when you can and not just the minimum repayment. As a responsible lender we want to be sure you can comfortably manage your repayments. To ensure your claim is successful, you must provide evidence that supports it. Thanks! Dont know about Vanquis specifically, but my wife got Aqua CC for credit building and was given £500 limit. If we vary your minimum payment we will write to you to tell you. Credit limit between £500 and £1,200. Vanquis Banking Group plc Annual Report and Financial Statements 2022. 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. I had a Vanquis card in a previous life. 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. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. 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. 12. Also unused facilities cost them money to maintain. Increasing your limit means you have more flexibility to spend. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. The card is only available to UK residents 18 and above, having a current bank account, not declared bankrupt in last 12 months. As a responsible lender we want to be sure you can comfortably manage your repayments. However, whether your application is accepted will depend on your individual circumstances and factors such as your credit score, current income and expenditure commitments. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Pay My Card Login. , 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. View our credit card A simple online credit card application process As a new customer you get a starting credit limit of between £500 - £1,200 subject to eligibility. If you’re looking to improve your credit score, a credit card for bad credit could help to rebuild your credit rating. When you use your Vanquis Visa credit card to make a non-sterling transaction we will charge you a fee of 2. Credit Builder Credit Card. You also have a CCJ and the credit limits on your other accounts are very low, suggesting don't have much spare cash available every month. Download it now and take advantage of these features and more: View your PIN and card details; Verify online purchases; Make payments and set up automatic payments; Check your transactions; See up to 12. After 3 months she got credit limit increased to £1700 and yesterday she got letter that the limit has been raised to £3700 (!). Increasing your limit means you have more flexibility to spend. 0. Credit Builder Credit Card. Terms state that it will be paid within 45 days, but it is usually applied within a. 13 April 2012 at 7:03PM. As a responsible lender we want to be sure you can comfortably manage your repayments. For example, say you have a limit of £1,000, you’ll be able to move up to £900. 4 May 2015 at 8:05PM. Assist & support Your credit limit This help article explains how the credit limit on your Vanquis get can been changes. The best way to avoid being charged is to contact your card provider beforehand and explain that you are likely to exceed your credit limit. 9% (variable) p. Forumite. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. If one card has a $5,000 balance on your credit report and the other has a $0 balance, your overall utilization rate is 50%—$5,000 divided by $10,000. Vanquis will check your eligibility first with a soft credit check. Managing your credit limit As a new customer you get a starting credit limit of between £150 - £1,500 subject to eligibility. Start your credit journey with Vanquis Bank by checking your eligibility for a credit card today. vanquis dividend vanquis debt vanquis direct debitYou can set and control how we communicate with you about your credit limit by calling our automated service on 0330 099 3000*. Check your eligibilityA credit builder credit card has a low credit limit and a high APR (Annual Percentage Rate). Using the Vanquis Bank App. Enter your details and apply for a Vanquis credit card.