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Vanquis : Credit Building Credit Card reviews

Name: Credit Building Credit Card
Rating: 4.75 (16350 reviews)

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4.76

Based on 16,350 reviews, last reviewed 23rd Apr 2025

714600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

4

Good account to have for those wanting to build credit! Never had a problem with my Vanquis card, the interest is a little higher than competitors. It was an easy account to set up and has been an easy acco... Read more Reviewed on: 23rd April 2025

Latest lowest rating:

1

Awful customer service, never act on what they say,... Awful customer service, never act on what they say, long drawn out complaints process and haven't even resolved an 8 month issue which the ombudsman r... Read more Reviewed on: 22nd April 2025

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About this product

Credit building credit cards are designed for people who have a poor credit score or those with little or no credit history.

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Vanquis Credit Building Credit Card reviews (16350)

Review of the Vanquis, Credit Building Credit Card:

Very easy, no problems.

Very easy, no problems. Reasonable interest rate. Reviewed on: 22nd April 2025

Good account to have for those wanting to build credit!

Never had a problem with my Vanquis card, the interest is a little higher than competitors. It was an easy account to set up and has been an easy account to manage. They’re seem responsible with their lending as well. Reviewed on: 23rd April 2025

Game changer when I needed to build credit.

Very useful when I needed to build credit. I now have no credit issues at all. Felt trusted and valued at last. Reviewed on: 23rd April 2025

I have been able to discuss with customer service ab...

I have been able to discuss with customer service about my credit and credit agreement when I needed to make changes. They always keep me updated with any changes. Having Vanquis has helped me to build my credit score. Reviewed on: 23rd April 2025

Good card and service helps to grow my credit score.

Good card and service helps to grow my credit score. Easy application. Reviewed on: 23rd April 2025

Easy to use.

Easy to use. Great customer service Reviewed on: 22nd April 2025

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

Excellent credit card

Excellent customer service and super helpful Reviewed on: 22nd April 2025

I am happy I am tension free about money bil food a...

I am happy I am tension free about money bil food any thing because I have Vanquis card i with this card Reviewed on: 22nd April 2025

Using my credit card has been a game-changer in mana...

Using my credit card has been a game-changer in managing my finances. It’s helped me stay organized with my spending, and the credit limit increment process was surprisingly smooth and easy. I’ve felt more confident in handling both planned expenses and unexpected ones. Overall, it’s been a reliable tool in building my financial stability. Reviewed on: 22nd April 2025

App is very easy to use and paying bill direct from...

App is very easy to use and paying bill direct from my bank account is fantastic. Reviewed on: 22nd April 2025

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