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Vanquis : Credit builder credit card reviews

Name: Credit builder credit card
Rating: 4.79 (19912 reviews)

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4.79

Based on 19,912 reviews, last reviewed 20th Jan 2026

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

85%

10%

Latest highest rating:

5

Very good banking experience, one of the best credit... Very good banking experience, one of the best credit cards I’ve ever used Reviewed on: 20th January 2026

Latest lowest rating:

1

Poor complaints handling and broken promises I had a frustrating experience with Vanquis that I need to share. Called the activation number on my new card sticker and it straight up didn’t work. ... Read more Reviewed on: 7th January 2026

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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.

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Vanquis Credit builder credit card reviews (19912)

Great service.

Great service. Easy to Manage account Reviewed on: 2nd May 2024

Having not had a credit card before so not a good cr...

Having not had a credit card before so not a good credit score, however now my credit score is very good. Reviewed on: 2nd May 2024

Fantastic app that sends reminders when payment is due!

Fantastic app that sends reminders when payment is due! So no chance of forgetting to pay on time. Great service! Reviewed on: 2nd May 2024

Clear information

Clear information on rates. A quick easy response on the phone Reviewed on: 2nd May 2024

Been with vanquis for fifteen years always paid what...

Been with vanquis for fifteen years always paid what was asked, apart from covid. Got a letter to say I was in debt in as much as I had paid more in fees and interest then what I had borrowed. Could it be that the interest rate has gone from 17% to 42% how offensive is that Reviewed on: 2nd May 2024

The Lady on the Phone help me Really well

The Lady on the Phone help me Really well Reviewed on: 2nd May 2024

Good Card

It’s a good card if you want to build your credit just think the interest rates are high Reviewed on: 2nd May 2024

Appalling!

Appalling!! Take advantage of people with a debt history with some dubious practices and an increased interest rate. Several years ago forced to refund their ROP scheme and since then have removed ability to pay via online banking (you have to log in to pay). This can take several days to clear and gives them the window of opportunity to raise over the limit fees. I just transferred some money to my partner and it took 15 seconds! This is the 21st century. What are they not complying? Also the way they present their online statements is not clear. You have no idea what interest is being applied or when. I am at my credit limit but get a text to say I am over my limit and need to send £2. What is this for? Reviewed on: 2nd May 2024

Interest rate is slightly too high

Interest rate is slightly too high Reviewed on: 2nd May 2024

Generally good service never had a problem.

Generally good service never had a problem. Reviewed on: 2nd May 2024

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