Suzy's story
Re-establishing control after income disruption.
Suzy* lives in the South West and runs a small creative consultancy, working with independent brands on design and content. Her work is project-based, meaning income can vary significantly from month to month.
Earlier in her career, that variability was difficult to manage. Over time, she developed a more structured approach to budgeting and cash flow, building greater financial discipline.
That stability was tested during the pandemic, when client activity slowed sharply and income became unpredictable. With limited financial buffers, she needed a way to navigate the disruption while beginning to rebuild.
As she recovered, access to mainstream credit remained out of reach. Suzy turned to Vanquis as a way to rebuild her credit profile and regain financial footing. Her credit card provided a controlled, manageable way to smooth short-term cash flow while demonstrating consistent repayment behaviour.
Today, it remains her only credit card. She uses it selectively, as part of a disciplined approach to managing her finances and maintaining control over her day-to-day spending.
“When your income isn’t predictable, access to credit isn’t about spending, it’s about stability. Vanquis gave me a way to rebuild my financial credibility on my own terms, and that made all the difference.”
“Suzy” is a pseudonym.