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Vanquis : Credit Card reviews

Name: Credit Card
Rating: 4.51 (527 reviews)

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4.30

Based on 527 reviews, last reviewed 22nd Apr 2025

3900% increase in 5 star reviews

in the past 90 days

100% 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:

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 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. Reviewed on: 23rd August 2017

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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