Write a review

Go to business site

Vanquis : Credit card reviews

Name: Credit card
Rating: 4.48 (553 reviews)

View other Vanquis products

4.26

Based on 553 reviews, last reviewed 10th Feb 2026

100% decrease in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

77%

11%

Latest highest rating:

5

Vanquis offers balance transfers Vanquis offers balance transfers Reviewed on: 5th September 2025

Latest lowest rating:

1

This bank is a scammer! This bank is a scammer! Never to be trusted I am writing to express my serious dissatisfaction with the way Vanquis has handled my credit card account... Read more Reviewed on: 10th February 2026

Read all reviews Write a review

About this product

Vanquis offer a balance transfer and purchase credit card.

Vanquis offer 0% for purchases and balance transfers for a set period of time. You will be charged a fee for any balance transfers. When the offer period on the card ends, any outstanding balance will be charged at a standard variable interest rate.

Vanquis 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.

Review Vanquis : Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Vanquis Credit card reviews (553)

This bank is a scammer!

This bank is a scammer! Never to be trusted I am writing to express my serious dissatisfaction with the way Vanquis has handled my credit card account, a suspected fraudulent transaction, and my formal complaint. My credit card has not been used since August 2025, when I paid the balance in full. After that, my card was blocked and I requested a replacement card twice, between September 2025 and November 2025. No replacement card ever arrived. Despite this, a £7 Transport for London (TfL) charge dated December 2025 appeared on my statement. I did not make this transaction. The card has not been used since August. I contacted Vanquis by phone on 28/01/2026 to challenge this charge as fraudulent. I was told clearly that I would receive a call back within 3 working days. Today is 10/02/2026. No one has called me. This was not the first time I was given false assurances. I have since called again and have once more been given excuses instead of solutions. Your customer service team does not understand or know how to deal with fraud. I have even been told that it is my responsibility to contact TfL to recover the money, which is completely unacceptable. I have not used this card since August 2025, and any unauthorised charge should be handled by Vanquis, not pushed onto the customer. I have contacted their complaints by email, and no responses. This bank/credit card provider is a scammer. To make matters worse: - I have emailed the complaints department - I have received no response What is the point of having a complaints department if emails are ignored and promises are not kept? Vanquis has: - Failed to send a replacement card after multiple requests - Failed to properly secure my account - Failed to handle a suspected fraudulent transaction - Failed to call back as promised - Failed to respond to written complaints This is by far the worst customer service experience I have had with a financial company. I have completely lost trust in Vanquis and would never recommend them to anyone. I will contact be contacting Financial Ombudsman Service, as I have written many complaints about this bank and they did not sort out any of my problems and they lie and they let other people use your card. Reviewed on: 10th February 2026

Mixed Experience with Vanquis Credit Card!

I have had a Vanquis credit card for some time, and my experience has been a mix of positives and challenges. The card helped me build my credit score when used responsibly. The application process was straightforward, and I was approved relatively quickly. I had an issue in the past where my account was blocked unexpectedly. I was asked to provide bank statements from another account I hold due to a money transfer, which caused delays and frustration. The customer communication during that period could have been clearer or more supportive. While the Vanquis credit card can be useful for building or improving your credit, my experience with account blocking and documentation requests was stressful and took effort to resolve. I would advise others to be prepared to provide supporting documents and to stay on top of communications with customer service. Reviewed on: 24th January 2026

Worst ever customer service in the world

I have been a Vaquis credit card customer since 12 July 2007. Now I have 29 credit cards with a limit of £84,030. The worst ever credit card customer service and higher interest is Vanquis. The staff are so incompetent that for more than 2 months, they couldn't refund the amount of £4500. They're thinking that if they don't refund, what can we do!!? Please be careful with this group; the high interest will rip you off. Reviewed on: 13th December 2025

Terrible customer service!

Terrible customer service! could not get the balance transfer done. Reviewed on: 3rd December 2025

Vanquis offers balance transfers

Vanquis offers balance transfers Reviewed on: 5th September 2025

Knows the value of money and has excellent customer...

Knows the value of money and has excellent customer service Reviewed on: 11th July 2025

I'm been with Vanquis very long time I'm very happy...

I'm been with Vanquis very long time I'm very happy for this services. Reviewed on: 10th July 2025

Helpful and very good customer service

Helpful and very good customer service Reviewed on: 9th July 2025

No problems.

No problems. But I have never needed to contact customer services , app is easy to use. Reviewed on: 9th July 2025

In one word excellent.

In one word excellent. I have been a Vanquis customer now for almost four years , the application was easy and got a decision immediately , they regularly check your account and how you are using it ( payments and staying within your limit) and as long as you do they will regularly offer you credit limit increases, it also helps build a better and stronger credit score, just like any credit card in this world as long as you use it responsibly it is a real helpful tool, thank you Vanquis Reviewed on: 9th July 2025

Do you have a different Vanquis product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Nectar Credit Card
from Sainsburys Bank 2.85 from 97 reviews
Student Credit Card
from NatWest 4.31 from 6 reviews
Credit card
from Yonder 4.98 from 546 reviews

Want to see more from Vanquis ?

Loans
from Vanquis 4.91 from 1253 reviews
Black Diamond Visa
from Vanquis 4.79 from 9 reviews
Credit builder credit card
from Vanquis 4.78 from 19912 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub