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Amanda B

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Review of the Vanquis, Credit builder credit card:

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A fantastic tool for rebuilding my credit score

I have had the Vanquis Credit Builder card for several years, and it has been a fantastic tool for rebuilding my credit score after a period of long-term ill health. As someone with limited mobility, the addition of their mobile app has been brilliant. I can check my account and easily transfer cash to my main bank account straight from home. It gives me great peace of mind knowing I have an emergency backup for big shops or the Christmas period.The only downside is the very high interest rate, so you must be extremely careful and sensible. I treat it like a tool: I only use it when necessary and always pay it off straight away before any interest is due. Used responsibly, it is a highly useful product and a great safety net. Reviewed on: 20th May 2026

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