Write a review

Vanquis : Credit Card reviews

Name: Credit Card
Rating: 4.51 (506 reviews)

View other Vanquis products

4.47

Based on 506 reviews, last reviewed 17th Apr 2025

2200% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

77%

11%

Latest highest rating:

5

Good credit card and customer service are very helpful Good credit card and customer service are very helpful Reviewed on: 17th April 2025

Latest lowest rating:

1

Bad service my card is every week blocked and all th... Bad service my card is every week blocked and all the time I need to contact Vanquis to unblock Reviewed on: 17th April 2025

Read all reviews See your review

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 (506)

Review of the Vanquis, Credit Card:

High APR but great customer service

I can't fault the customer service I received when taking out the card. Friendly and helpful, prompt to call back when requested and good advice on setting up and managing my account online. The APR is high, but this is because they consider customers with a poor credit rating, and provided you pay back within the interest free period it shouldn't be an issue. Reviewed on: 28th March 2016

Excellent service always keeping me up-to-date with...

Excellent service always keeping me up-to-date with statements and information to do with my accounts Reviewed on: 16th April 2025

I have experienced amazing service from the company.

I have experienced amazing service from the company. I’ve had no complaints. Reviewed on: 16th April 2025

Received no support and lied to over and over ahain

I had my account hacked. That was 4 weeks ago, I still don’t have a replacement card and the fraudulent transactions were only refunded yesterday. The customer service at Vanquis is disgusting. I received no help, no support and was lied to on every call, from agents telling me my card had been blocked, to telling me a new card has been sent out, to telling me the fraud team were looking into the transactions….lied to consistently. I will never use Vanquis again and I would recommend that no one uses them as if your account is hacked, you will not receive even a satisfactory level of service from customer services. STAY AWAY FROM VANQUIS Reviewed on: 15th April 2025

Fair and honest company

Always there when it's needed, never had any problems with them, don't need any other cards apart from this one, as it's relevant to my needs. Reviewed on: 2nd April 2025

Vanquis The Card That Say No !!

One month ago I received an email from Vanquis offering a credit limit increase from £1000 to £1800. So after sending all pay payslips and salary increase as from April, it then took them 1 month to then send me a txt message to say that they have declined my increase they will review in many years time! Why offer me an increase then decline me I’m on a good salary and bring home £2700 a month then they say no ! I’ve been a customer for 5 yrs never missed a payment often payed it off in full but no thats not good enough for Vanquis ! I’m dissatisfied with Vanquis it’s a disgrace and disgraceful to how they treat loyal customers ! Why offer when they have decided to say no before you even send them the info ! Vanquis is playing us and they are lieing to us ! They don’t want to offer any limit increase to no one ! Joke of a provider ! Vanquis your fired ! Reviewed on: 1st April 2025

I love it.

I love it. Its quick and reliable. I use it almost always Reviewed on: 28th March 2025

Nothing too much trouble always willing to listen.

Nothing too much trouble always willing to listen. Ability to provide me with an option,always. I would recommend to anyone. I'm in control of my credit with them Reviewed on: 26th February 2025

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

I had to pay scammers . And I reported fraud.

I had to pay scammers . Disgraceful company, Reviewed on: 1st January 2025

I rang up to find out why paypal wont work but they...

I rang up to find out why paypal wont work but they blame paypal however its not paypal but vanquis when i rang up i couldnt understand the call agent they know i am in hospital with depression but still same old vanquis dont bother with them Reviewed on: 23rd December 2024

Alternative products

Bip Credit Card
from NewDay 4.91 from 2284 reviews
Purchase Credit Card
from Bank of Scotland 4.42 from 9 reviews
Nectar Credit Card
from American Express 3.81 from 12 reviews

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