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Hafiza R

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Review of the Vanquis, Credit builder credit card:

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I have been using

I've been using Vanquis Credit for a while now, and my experience has been a mix of positives and a few drawbacks. On the positive side, Vanquis has been helpful in rebuilding my credit. I was approved for a card when many other companies turned me down, and I appreciated that opportunity. The initial credit limit was modest, but they increased it gradually as I showed responsible usage, which helped improve my credit score over time. Their app and online account management tools are easy to use. It's simple to check balances, make payments, and set up alerts. I also found customer service to be reasonably responsive, though I haven’t needed to contact them often. However, the interest rates are quite high, so it's important to pay off the balance in full each month to avoid costly charges. I think Vanquis is best suited for people who are I applied for a Vanquis credit card to help improve my credit score, and while it did serve that purpose, my experience has been a bit of a mixed bag. Pros: Easy approval process: I was approved despite having a low credit score, which I genuinely appreciated. Credit score improvement: After about 6 months of responsible use, I started seeing improvements in my credit rating. Mobile app: The app is user-friendly and makes it simple to track spending, set up payments, and monitor statements. Reviewed on: 9th July 2025

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