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Vanquis Credit Card Reviews

Ratings based on 71 reviews Last review 5 months ago

Vanquis Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Vanquis customers like? Find out more about the Vanquis Credit Card by reading our trusted Smart Money People...

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Vanquis Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Vanquis customers like? Find out more about the Vanquis Credit Card by reading our trusted Smart Money People reviews. You can also write your own Vanquis Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

5 28
4 22
3 9
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1 6

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Your Credit Card Reviews (71)

30th May 2018

Good

Great little card, gave me a card even though I had a bad credit rating. It is now helping me build up my crdit rating, which I am thankful for. Their online banking website is really good and easy to use too.

27th April 2018

Clear, open, easy to understand and fair.

Because I'd lived in Europe for 16 years, I had a low credit score in the UK. Vanquis were the only company who would give me a credit card. I feel that although their fees and interest are high to cover their risk, they have always been very open...

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Because I'd lived in Europe for 16 years, I had a low credit score in the UK. Vanquis were the only company who would give me a credit card. I feel that although their fees and interest are high to cover their risk, they have always been very open about what they charge and how the card works. They've also been very pro-active in helping me to build my credit score. I now have an excellent rating, mostly because Vanquis made it easy to manage my card.

9th January 2018

Great

This company has helped me improve my credit history after I couldn't get credit anywhere else due to some mistakes I made in the past. They have easy payment options and send a couple pf reminders so I know exactly where I stand.

4th January 2018

Fantastic

From start to finish an easy process at great rates. Money in bank before first payment has to be made and repayment date at a preferred time for you. Wow, I can't thank Vanquis enough for helping me out. If anyone needs a loan check this first as...

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From start to finish an easy process at great rates. Money in bank before first payment has to be made and repayment date at a preferred time for you. Wow, I can't thank Vanquis enough for helping me out. If anyone needs a loan check this first as sure you will be thankful.

3rd November 2017

Helpful reminders to assist in rebuilding credit rating.

I really like this card. It has text message reminder features so you know when payments are due and balances are low....

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I really like this card. It has text message reminder features so you know when payments are due and balances are low.

I have found it good that they don't give you instant increases bit it's based on the management of your account so as you evidence that you can manage your money to get access to greater increases.

Customer service has been good, they offer an app which is helpful in keeping track of your usage.

Is defiantly recommend Vanquis to others who have had credit difficulties in the past. Just remember that the interest rate is quite high so bear that in mind when applying. A+

23rd August 2017

Gave me credit when few else would but that's the end of my positive experience

After getting into debt after my dad died, my credit rating took a bit hit. At one point I couldn't get credit from DFS for a sofa, or even a normal current account (I had to have a basic account with no debit card). I can't remember how I came across...

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After getting into debt after my dad died, my credit rating took a bit hit. At one point I couldn't get credit from DFS for a sofa, or even a normal current account (I had to have a basic account with no debit card). I can't remember how I came across Vanquis but I applied and was accepted. At the time I was thrilled. I set up a direct debit to pay off the balance in full every month so that I would not accidentally miss a payment and end up damaging my credit rating again. After a few months they wrote and offered a credit limit increase. I called up to decline it. A few months later they did the same, but instead of offering the increase they had offered previously, they jumped up even higher, so I called up and declined that again. I believe I now have declined 3 credit increases, and I didn't see the letter for the last one and now have a credit limit which is way over my budget - if I spent that much I'd be properly in trouble. I've written to them complaining but their response was that I was making all the repayments so they weren't being an irresponsible lender. I still feel (particularly on cards for people rebuilding their credit) that credit limit increases should be an opt in rather than opt out but they don't agree. If you want a card which will help you rebuild your credit then it serves it's purpose. Just make sure you pay it off in full every month as the interest rates are really high. Other than that I probably wouldn't recommend them.

8th August 2017

excellent card

Vanquis approached me by post offering a card with competable interest. Initially vanquis claimed they would consider a credit limit increase after 4 months however 3 months in they changed their policy to 5 months with no exception to existing...

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Vanquis approached me by post offering a card with competable interest. Initially vanquis claimed they would consider a credit limit increase after 4 months however 3 months in they changed their policy to 5 months with no exception to existing customers. Online banking is useful however paying off the credit card takes 3 working days which can be imconvenient when i send money over which i need to access soon after.

29th June 2017

Here to help.

I applied for a credit card with vanquis because I had heard that they are a company which gives people will next to no credit score the chance to build a credit profile with their credit card. This was fantastic for me and after applying online, I...

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I applied for a credit card with vanquis because I had heard that they are a company which gives people will next to no credit score the chance to build a credit profile with their credit card. This was fantastic for me and after applying online, I had my card in no time. However, I really started to get on board with vanquis when I learned of their repayment option plan which really made me realise that this was a company for its people. I am opted in for the repayment option plan and have (unfortunately) had the chance to use the amazing benefits such as an account freeze for up to 2 years due to unemployment. The customer service is very efficient and friendly and the process as a whole is very fair.

29th June 2017

A Good Place To Start After Bad Credit

If you're struggling to get a credit card to start building your credit rating then a Vanquis card is a good place to start. The interest rate is a little high but if you make sure you clear it every month then this is no...

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If you're struggling to get a credit card to start building your credit rating then a Vanquis card is a good place to start. The interest rate is a little high but if you make sure you clear it every month then this is no problem.

The biggest letdown for me were the regular sales calls trying to get you to upgrade with extra packages. These eventually tailed off after about a year after repeatedly saying no to them

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