Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Origin Credit Card review September 2019
If you’ve had credit problems in the past and struggle to get approved for a credit card, you may have a better chance of acceptance with the Origin credit card.
Finder rating: ★★★★★
Doing its job: 4.5/5
In a nutshell:
Up to 56 days
Interest-free each billing period
Minimum credit limit
|Purchases interest-free period||Up to 56 days|
|Min. credit limit||£150|
|Max credit limit||Subject to status: £1,000|
|Additional cards available||1|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
As with any credit card, each repayment you make on the Origin card is reported back to credit reference agencies, so provided you use it responsibly (staying within your limits and making at least the minimum monthly repayments on time), it should have a positive effect on your credit score.
What “credit builder” cards offer that you don’t necessarily get with other cards is the emphasis on helping those with bad credit (Vanquis Bank, which issues this card, states that it “looks for ways to accept you when other issuers may not”) and the opportunity to grow your credit limit pretty quickly – after five months in this case.
It’s a smart idea to keep tabs on your credit score and take advantage of the eligibility checkers now provided by most card issuers (these use a “soft search” to tell you your chances of getting approved for a card without affecting your credit score) to ensure you’re getting the best rate available to you.
It’s worth noting that due to its APR, which is very high even by credit builder standards, this card isn’t likely to be suitable for long-term use, and you should aim to avoid carrying a balance from month to month.
How does this deal compare?
When it comes to repayments, you can make manual repayments online or over the phone (0330 099 3001), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the Origin credit card
If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, you can use Vanquis Bank’s “Eligibility check” service to find out if you’re likely to get approved. You’ll need to provide your address details for the last three years and you’ll generally receive a response within one minute.