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Vanquis : Credit builder credit card reviews

Name: Credit builder credit card
Rating: 4.76 (19902 reviews)

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4.78

Based on 19,902 reviews, last reviewed 19th Aug 2025

62% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

5

Excellent I have had no issues with vanquis. The wait times are always low and always get greeted by a friendly advisor who is happy to help. My card was subjec... Read more Reviewed on: 19th August 2025

Latest lowest rating:

1

Vanquis is the worst credit provider I have used. Vanquis is the worst credit provider I have used. Ridiculous terms and interest rates, don't want to help when you're trying to find a solution to hel... Read more Reviewed on: 8th August 2025

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About this product

The Vanquis Credit Builder credit card is available to apply for online.

Build your credit rating by paying on time and staying within your limit. With a Vanquis Credit Card, you don’t pay any annual sign-up fees. You pay transaction fees for withdrawing cash, balance transfers and using your card in a foreign currency.

Vanquis Credit Builder credit card reviews help you find out what it’s really like to be a customer. If you’ve used Vanquis before, you can also leave a review and share your experience.

Vanquis Credit builder credit card reviews (19902)

Review of the Vanquis, Credit builder credit card:

Vanquis - Helpful Step Forward with Building Credit

I've been using the Vanquis Credit Building Credit Card for about two months now, and I can already say it’s been a solid experience — especially for someone looking to build or improve their credit score. While no credit card is perfect, this one has ticked a lot of the right boxes for me, and it’s been reassuringly easy to get to grips with. Features That Matter When I first got the card, I was approved with a starting credit limit of £1,200 — which felt generous for a credit-building card. Since then, I’ve been using it regularly for day-to-day expenses and then paying off a fair chunk (£300 or so a month). I’ve had a couple of pricier months, but so far, everything’s stayed manageable. One of the biggest positives? My credit score has already gone up. It’s a great feeling to see actual progress in just a short space of time. Vanquis reports to the major credit reference agencies, so keeping on top of payments really does make a difference. Smooth Setup & Great Support There was a minor hiccup early on when I didn’t receive my PIN in the post, but honestly, the customer service was spot-on. I gave them a call, and the rep I spoke with was friendly, clear, and sorted everything quickly. It left a really good first impression and took away any stress I had around activating the card. The App is a Standout The Vanquis mobile app is one of the best bits of the whole experience. I check it almost daily — not because I have to, but because it’s genuinely well-designed. It’s easy to see what’s been spent, how much I owe, when the payment is due, and how much interest I might be charged (if I didn’t pay in full). Everything’s clear and upfront, and it makes keeping on top of things much easier. Transparent and Fair I haven’t come across any unexpected fees or charges, and the terms were clearly laid out from the start. The interest rate is higher than average, which is expected with a credit builder card, but if you’re making regular payments and avoiding carrying a big balance, it’s manageable. So far, I’ve avoided any interest altogether by paying most of it off each month. Things to Keep in Mind One of the only real “drawbacks” is more personal — I sometimes feel like I could be managing the card even better. It’s easy to spend more than planned when you’ve got available credit, so a bit of discipline goes a long way. This isn’t a card to treat like free money — but used responsibly, it’s a genuinely useful tool. Final Thoughts If you’re looking to build or repair your credit score, I think the Vanquis Credit Building Credit Card is a great place to start. It’s easy to use, the support team are helpful, and the app makes staying on track really straightforward. In just two months, I’ve already seen progress on my credit file, which speaks volumes. Would I recommend it? Absolutely — just make sure to use it sensibly and you’ll get a lot out of it. Reviewed on: 22nd April 2025

A game changer for me!

I was a little nervous about applying for a credit card, but Vanquis made the whole process simple and stress-free. The application was quick, I got an instant decision, and my card arrived sooner than expected. What I love most is the way Vanquis helps me stay in control. The app is super easy to use, giving me real-time updates on my balance, available credit, and payment dates. The alerts are brilliant — I never miss a payment, and I’m building my credit score without the stress. Their customer service is friendly and helpful, which is rare these days. Whenever I’ve had a question, I’ve been able to get through quickly and speak to someone who actually listens. Thanks to Vanquis, I feel confident about my finances again. I’d definitely recommend it to anyone who wants a reliable card, great support, and the opportunity to improve their credit rating. 5 stars from me — thank you Vanquis!” Reviewed on: 9th August 2025

Friendly and reliable service, repayments are good.

Friendly and reliable service, repayments are good. Reviewed on: 8th August 2025

Vanquis is the worst credit provider I have used.

Vanquis is the worst credit provider I have used. Ridiculous terms and interest rates, don't want to help when you're trying to find a solution to help with finances like all the other companies have. Clearly wanting people to get into debt. The staff are rude and haven't got a clue, being put on hold every question as they don't know the answer, trying to get you off phone fast and not answering the questions. Reviewed on: 8th August 2025

No issues at all.

I have been with vanquis for a number of years and have had no issues what so ever. The app is very easy to navigate Reviewed on: 5th August 2025

Vanquis credit card has been surprisingly positive

I originally applied to help build my credit score, and Vanquis gave me that opportunity when many others wouldn’t. The application process was straightforward, and I was approved quickly with a manageable credit limit that increased gradually over time as I proved myself. The app is easy to use — I can check my balance, make payments, and get alerts instantly, which helps me stay on top of things. I especially like how transparent the charges and interest are, and that I’m reminded when my payment is due. It’s helped me become more financially disciplined. There are no flashy rewards, but for what I needed — building credit safely and gaining control over my finances — Vanquis delivered exactly that. I’d recommend it to anyone trying to rebuild or start their credit journey. Reviewed on: 4th August 2025

I felt I was respected due to my current circumstanc...

I felt I was respected due to my current circumstances and I certainly would reccomend this company to friends and family Reviewed on: 3rd August 2025

Credit limit is increased in line with making the re...

Credit limit is increased in line with making the required payments Vrey fast connection to customer services representative when needed Reviewed on: 2nd August 2025

Vanquis credit builder was there for me when I was w...

Vanquis credit builder was there for me when I was working on building my credit score, they give me a chance and without them I wouldn't have achieved the financial goals that I wanted to achieve today. Reviewed on: 31st July 2025

Product and services

Always keep me updated with product and services Reviewed on: 30th July 2025

Vanquis Customer service

Customer service have been very helpful professional and I am very pleased with the service I have received. Reviewed on: 29th July 2025

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