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Vanquis : Credit builder credit card reviews

View other Vanquis products
4.73
Based on 28,696 reviews, last reviewed 24th Sep 2026
100% decrease in 5 star reviews
in the past 90 days
97% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
87%
See only 4 star reviews
9%
See only 3 star reviews
2%
See only 2 star reviews
1%
See only 1 star reviews
1%

Latest highest rating:

5

Because customers service is very polite Because customers service is very polite Reviewed on: 24th September 2026
Gugulethu 's avatar
Gugulethu

Latest lowest rating:

1

Vanquis: Ignoring it's customers Vanquis used to offer a great service when I first signed up. But recently they have withdrawn their old app, forcing a new app, with questionable sec... Read more Reviewed on: 10th July 2026
DD's avatar
DD
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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 (28696)

I am satisfied as a customer and I feel every inform...

5
I am satisfied as a customer and I feel every information had been provided to me, regarding my account. Reviewed on: 3rd May 2024
Abba N's avatar
Abba N

Vanquis Bank

5
I have been a member of Vanquis for many years now. I have always found The Bank useful & well run. I need the service if I need money @ hand. I.e. credit. I was hoping for a credit limit extension. Many thanks, Simon. Reviewed on: 3rd May 2024
Simon H's avatar
Simon H

Poor communication

1
I was asked for my information for a credit increase and I sent it 4 times then refused because of incapable staff dealing with it. Reviewed on: 3rd May 2024
Carl's avatar
Carl

I have been with Vanquis for many years and It was a...

4
I have been with Vanquis for many years and It was all good Reviewed on: 3rd May 2024
Mohamed K's avatar
Mohamed K

Draconian Shameful treatment

1
Ive been a Vq Customer for approximately 4 years, have been settling my monthly balance by direct debit, never erred in settling my monthly debit balance. Feb 2024 I went to Gran Canaria, used my Vq card couple times, until last attempt, it was refused, card blocked, no explanation. On return to UK, I tried card again to test, still refused, got text message to call Vq, called Vq, kept waiting for 40 minutes, call dropped as their office closed early on weekends. Tried to call twice again, always left in queue for over 30 minutes until I had to give up due to work etc. Left negative review in Trustpilot, got immediate reply from Vq customer service with number to call, called, number rings then drops. I emailed Vq customer service, they replied to advise, Vq investigation does not make outgoing calls or emails, I must call them, but how can I call them when they don't answer their calls? Vq claimed they're investigating concerns in my account, but I've not reported any fraudulent transactions, as I can monitor my Vq account via my Vq app. So I emailed Vq customer service to request them to advise Vq investigation to let me know what their concerns are and I will try to assist their investigation, still no comeback to this offer. Instead Vq blocked me from accessing my Vq app! by doing this, Vq makes it impossible for me to monitor my Vq account, most importantly, I cannot view what transactions are coming in, if they're fraudulent or not, and what my debit balance is. To protect my position, I stopped my DDM, and I immediately emailed Vq Customer service to advise them, and request Vq to provide me with hardcopy statements so that I can monitor my account as well as pay any debit balance. To date, Vq has not done so. Latest, I received hardcopy notifications that I've failed to pay my last statement debit balance, and Vq now wants to charge me £12, as late fee!. I've immediately settled the debit balance in my last statement, except the £12 late fee as I dispute that charge. It's now over 8 weeks since I logged my formal complaint, yet Vq has not finished it's investigation, so I've now logged a formal complaint with the Financial Ombudsman. Whats ironic is Vq has sent me a new Credit Card, then increased my Credit limit, and sent me a new PIN which seems to me, Vq must regard me as a reliable valued customer, when there's an outstanding investigation, over concerns which I'm not aware of! It seems Vq left hand is not aware of what Vq's right hand is doing!. To me, Vq investigating team carries on as if they're Judge, Jury and Executioner without any regards to their customer at all. I've locked away all my Vq cards, no intention of using it again, and only waiting for the investigation to complete before I close my account with this Mickey Mouse company, so sad it's a British set up. Reviewed on: 3rd May 2024
British Consumer's avatar
British Consumer

Very good friendly service easy to apply

5
Very good friendly service easy to apply Reviewed on: 3rd May 2024
Nigel Clayton's avatar
Nigel Clayton

Easy peesy

5
Never had a problem and easy to pay bills on app. Unlike some Reviewed on: 3rd May 2024
Rhi t's avatar
Rhi t

Vanquis Simple and easy

5
I Find Using Vanquis Simple and easy no Fuss as long as you are Careful and Understand what you are Spending is Credit Reviewed on: 3rd May 2024
anthoney K's avatar
anthoney K

Struggling

5
Without vanquis I would have been unable to manage everyday expenses and for special occasions.l feel much more confident about my finances thanks to vanquis. Reviewed on: 3rd May 2024
Stephen W Feasey's avatar
Stephen W Feasey

Easy to set up

5
Easy set up of my account, great communication from vanquis Reviewed on: 3rd May 2024
David 's avatar
David

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