Vanquis Reviews

Ratings based on 93 reviews Last review 1 month ago
3.73 / 5Great overall rating

Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. Smart Money People is the place for Vanquis Bank reviews. Read and write reviews to help increase trust and...

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Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. Smart Money People is the place for Vanquis Bank reviews. Read and write reviews to help increase trust and transparency in Financial Services.

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Your Vanquis Reviews (93)

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3rd September 2020

Late payments means three phone calls a day until you pay

Never miss one payment or you can expect based on my experience excessive Debt collection...

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Never miss one payment or you can expect based on my experience excessive Debt collection with

* up to three phone calls per day plus
* text messages
* emails
* letters

Although this may seem unusual it is not illegal to chase debts in this way by the agents at Vanquis as they have targets to meet.

If you get behind with one payment and feel you are being harassed you can ask Vanquis for a list of the calls under your Data Subject Access Request rights.

Vanquis have a complaints procedure if you feel you are getting chased too much with three phone calls a day plus other communications. They are supposed to respond within three working days.

You may choose to report Vanquis to Financial Conduct Authority (FCA) for Harassment.
Vanquis also have to report to The FCA that they have received your complaint. The fca website is helpful

Vanquis have a helpful customer service but never be late with a payment. The automated telephone system will urge you to pay more than one payment to keep your account up to date which can be confusing and encourage arrears debt collecting phone calls.

The card looks good and is accepted everywhere just like any good credit card.

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3rd February 2020

Great app

The app is brilliant. It takes into account that a lot of customers may not be financially savvy and lays everything out simply. I haven't been a customer for long but am very happy with how easily I can make payment, set up Direct Debits and access...

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The app is brilliant. It takes into account that a lot of customers may not be financially savvy and lays everything out simply. I haven't been a customer for long but am very happy with how easily I can make payment, set up Direct Debits and access education pages for more complex features. The call centre answer within a couple of seconds, and are always friendly and helpful. I would 100% recommend vanquis to anyone, they always put the customer first and in my experience will do anything to help keep you on track to reach your financial goals!

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27th April 2018

Clear, open, easy to understand and fair.

Because I'd lived in Europe for 16 years, I had a low credit score in the UK. Vanquis were the only company who would give me a credit card. I feel that although their fees and interest are high to cover their risk, they have always been very open...

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Because I'd lived in Europe for 16 years, I had a low credit score in the UK. Vanquis were the only company who would give me a credit card. I feel that although their fees and interest are high to cover their risk, they have always been very open about what they charge and how the card works. They've also been very pro-active in helping me to build my credit score. I now have an excellent rating, mostly because Vanquis made it easy to manage my card.

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