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Vanquis : Credit Building Credit Card reviews

Name: Credit Building Credit Card
Rating: 4.75 (16376 reviews)

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4.76

Based on 16,376 reviews, last reviewed 23rd Apr 2025

716800% increase in 5 star reviews

in the past 90 days

12800% increase in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

5

Vanquis vanquishes others I have used Vanquis for many years and have always found them to be helpful and competitive compared to some other providers. Reviewed on: 23rd April 2025

Latest lowest rating:

1

A nightmare. A nightmare. Got told (over the phone) I was accepted for a credit limit of £1,200 across 2 accounts on 1 card. I did not understand this and as such ... Read more Reviewed on: 23rd 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 (16376)

Review of the Vanquis, Credit Building 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

Vanquis vanquishes others

I have used Vanquis for many years and have always found them to be helpful and competitive compared to some other providers. Reviewed on: 23rd April 2025

Excellent Customer Service

This was an exceptionally easy application process coupled with a very quick decision being made. Great communication throughout and the follow-up information, advice and guidance is very welcomed. Excellent customer service. Reviewed on: 23rd April 2025

All round good the app is great too.

All round good the app is great too. Reviewed on: 23rd April 2025

Vanquis Card

Being a card holder for many years, I have found Vanquis to be a very useful credit card, The app is very easy to use and telephone service is excellent, I would recommend the Vanquis card to everyone, Reviewed on: 23rd April 2025

Good responses with customer service and more import...

Good responses with customer service and more importantly the options and APR rate is low per transaction. Reviewed on: 23rd April 2025

I started with a low limit card

I started with a low limit card and over time I discussed with vanquis about a higher limit after a easy relaxed chat with the team I got a higher limit. If I ever get any issues they happy to help even if it's a late payment they're happy to understand your issues. Would definitely recommend vanquis. Reviewed on: 23rd April 2025

This is a brilliant credit card for beginners!

This is a brilliant credit card for beginners! The more I have used the card, my credit limit (and credit score) has increased. The app makes repayments simple and quick. Vanquis' communications are very thorough. Reviewed on: 23rd April 2025

My experience with Vanquis.

I've had an outstanding experience with Vanquis, and I can't thank them enough for helping me build my credit score. I started with a low credit score and was struggling to improve it. With Vanquis's help, I've significantly raised my score over time. The guidance and resources they provided were incredibly valuable. They offered practical tips and consistently kept me informed about my progress. As a result, I achieved a significant milestone I became a homeowner! This dream felt out of reach before I started using Vanquis. I highly recommend Vanquis to anyone looking to build their credit. They are committed to helping their customers and have played a crucial role in my financial journey. Thank you, Vanquis, for making such a positive impact on my life! Reviewed on: 23rd April 2025

A nightmare.

A nightmare. Got told (over the phone) I was accepted for a credit limit of £1,200 across 2 accounts on 1 card. I did not understand this and as such spent 30min on the phone trying to clarify. I was basically told go away and if there’s any problems when you card arrives phone us back. Well there was a problem.. I had been mislead as my actual credit limit was only £600 (ON THE HIGHER INTEREST RATE / LESS BENEFICIAL CARD). So no. No I do not recommend to anybody. The business should be shut down and fined for its shady, loan shark business practices Reviewed on: 23rd April 2025

Very helpful always helping customer great service

Very helpful always helping customer great service Reviewed on: 23rd April 2025

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