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Vanquis : Credit Card reviews

Name: Credit Card
Rating: 4.51 (527 reviews)

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4.44

Based on 527 reviews, last reviewed 22nd Apr 2025

3900% increase in 5 star reviews

in the past 90 days

250% increase in 1 star reviews

in the past 90 days

78%

10%

Latest highest rating:

5

Very secure app and online experience Hot when frau... Very secure app and online experience Hot when fraud is suspected. Reviewed on: 19th April 2025

Latest lowest rating:

2

Do not value my custom - closing my account I obtained a credit card from Vanquis nearly 4 years ago with a £600 credit limit, despite making payments back every month and paying much more than ... Read more Reviewed on: 22nd April 2025

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About this product

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.

Vanquis Credit Card reviews (527)

Review of the Vanquis, Credit Card:

Irresponsible lenders!!! Stay away!!!

Now… where do I start… I think Vanquis is an irresponsible lender and I urge any of their 1.7 million customers, who have a slightest doubt about their lending being responsible and haven’t previously complained, to make the irresponsible lending complaint as soon as possible. Please share it with everyone. I’ve been Vanquis customer since March 2015. First they gave me a credit card with a credit limit of £150, while I was stuck in payday loan debt cycle. Then they increased my credit limit in December 2015 to £550, when I was nearly at my previous credit limit. Then they done the same thing while I was on maternity leave and struggling financially in May and October 2016 to £1250 and £2250. In January 2017 I was missing payments and they sent me arrears letters. I was diagnosed with serious illness in March 2017 and had to use Repayment Option Plan feature to freeze my account. As a sensible person, I made larger than minimum payments in 2020 and 2022 I think, because I was getting a lump sum for benefit underpayments. This was I think in 2020 I paid my balance off completely. These factors were used against me by Vanquis and FOS too! FOS turned and twisted each and every single fact and used it against me and just kept praising Vanquis! It made me feel sick! I stopped working in 2018 due to health issues. In March 2022 they’ve increased my credit limit to 3K. By then I was drowning in debt, borrowing heavily from anyone I could and using my credit cards and overdraft heavily!I was constantly in my overdraft for 6 years since 2018! They are saying that they reward their customers with the credit limit increases. This is the most disturbing and unethical thing to say! I didn’t know about irresponsible lending until 2024, I made the complaint about irresponsible lending to Vanquis. They didn’t uphold it. I took it to FOS they didn’t uphold it either, although I was advised I had quite a strong case. Vanquis and FOS keep saying that checks were proportionate, I was managing account very well, made overpayments blah blah blah… I honestly think that banks and FOS are in it together and the lenders can pretty much get away with anything as soon as they don’t kill anyone. And I don’t really need Vanquis or FOS to tell me that lender is responsible or not I can see it myself. Both FOS and Vanquis twisted the facts about what checks were completed when lending and increasing credit limits. FOS said that they can’t see ANY evidence about affordability checks being carried out, but they PROBABLY were… and just took their word for it! Vanquis swears they’ve completed the checks, but I don’t think they did and if they did - they were not proportionate!!! However, pease don’t let my unsuccessful experience to put you off of complaining! This burden of debt had a serious affects on my mental health and I’m devastated to say the least. Over nearly 10 years I paid Vanquis bank £10,911.95 and I’ve still got £2,780.00 of debt outstanding from 3K limit, which has now been sold on and I can only afford a monthly repayment of £0.88! I’ve emailed CEO of Vanquis Ian McLaughlin, who sounded very helpful first, but he hasn’t done nothing at all. Patrick Customer Support Ambassador, who didn’t include his last name, was as useless! The greed of these people is unbelievable, honestly! While we are struggling to get living essentials and struggling with unaffordable debt - they are living high lives and “bathing” in luxury! I urge you to please stay away from Vanquis!!! They are unethical, greedy, the most horrible lenders I’ve ever had in my life!!! If you are in the cycle of debt already I urge you once again to complain! And never make overpayments to them! Better spend it on your needs! Vanquis doesn’t even deserve one star, if I’m honest! They don’t deserve to exist at all and are inhumane company! I hope karma will get them soon! Reviewed on: 8th February 2025

Very satisfied with the product and the customer ser...

Very satisfied with the product and the customer service Reviewed on: 18th April 2025

When I became ill and had to give up work they helpe...

When I became ill and had to give up work they helped me manage my payments Reviewed on: 18th April 2025

The product is simple and practical.

The product is simple and practical. Reviewed on: 18th April 2025

Complicated

You’re too expensive and increases in credit limit should be implemented on historic performance, present standing and not on review of current income & expenditures which can vary daily/monthly Reviewed on: 18th April 2025

Vanquis 2025 review.

The app is easy to use clear and concise gives updates when you're next payment is due cost effective. Reviewed on: 18th April 2025

Great Communication.

Excellent for keeping you informed of all due payment dates etc, offers and credit limit upgrades if required. Also offers and updates on limits. If they are unsure about a purchase it is instant notification to confirm or not. Reviewed on: 18th April 2025

Poor customer service.

Poor customer service. Incompetent. Multiple issues over the course of my time at Vanquis. Would not recommend. Reviewed on: 18th April 2025

I always feel safe and secure with the online servic...

I always feel safe and secure with the online service provided, however the team could consider engaging a little more to help us deal with delayed payments instead of charging £12 extra all the time. Reviewed on: 18th April 2025

My experience was good

Very goods service,app is easy to use and very good comunication with custmer. Very recomends this service Reviewed on: 18th April 2025

Paying credit card manually is so easy and fast

Paying credit card manually is so easy and fast Reviewed on: 18th April 2025

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