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Vanquis : Credit card reviews

Name: Credit card
Rating: 4.49 (551 reviews)

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4.30

Based on 551 reviews, last reviewed 13th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

100% 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

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 ... Read more Reviewed on: 13th December 2025

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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.

Vanquis Credit card reviews (551)

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

1st class service good communication just what I nee...

1st class service good communication just what I needed Reviewed on: 9th July 2025

Easy app management

Easy app management, good customer service Reviewed on: 9th July 2025

Good for unexpected things and bills or for emergencys

Good for unexpected things and bills or for emergencys Reviewed on: 9th July 2025

Best customer service fraud deterrent.

Best customer service provider I've had previlage to use,. very helpful and are on top of their game. Especially with regards to credit card fraud. Reviewed on: 9th July 2025

It helps me to build more credit file and help me in...

It helps me to build more credit file and help me in emergencies like when my mum passed away last year and I need extra help.. Reviewed on: 9th July 2025

Good company to work with.

Good company to work with. Friendly reminders when payment is due. All information is available on their website such as balance and payments. Accessibility available at all times. Interest rate is probably higher than it should be and would like it lower. The card is reassuring in an emergency and have no real issues, would recommend without hesitation. Reviewed on: 8th July 2025

Fantastic experience and very great helpfully servic...

Fantastic experience and very great helpfully service I suggest this credit card Vanquis to everyone because is amazing card and also the customer service are wonderful and they are very helpful in everything am very proud about this company Vanquis Reviewed on: 8th July 2025

It was an awesome experience with vanquis credit card

It was an awesome experience with vanquis credit card Reviewed on: 8th July 2025

They are a great company to deal with.

They are a great company to deal with. They are considerate and professional in their approach to customers like me. They are knowledgeable and helpful too. Reviewed on: 16th June 2025

Safe hands.

I actually don't like recommending people credit cards as they can end up with debt they may not be able to handle, but with this company I think people are in safe hands. Reviewed on: 13th June 2025

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