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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

Very helpful and professional.

Very helpful and professional. Looking at me as a customer. Reviewed on: 18th April 2025

About two years ago, I had a very positive experienc...

About two years ago, I had a very positive experience with Vancity’s credit card services. After a legally justified trip cancellation, the airline company refused to issue a full refund for three tickets totaling £2000. I submitted the relevant documents to Vancity’s customer support, and they handled the case with professionalism and care, ultimately refunding the full amount to my account. This level of support built strong trust in their services, and since then, I have recommended Vancity to others as well. Reviewed on: 18th April 2025

Amazing credit card.

Amazing credit card. Credit limit increased at regular intervals. Easy to use mobile app. 10 on 10 from my side. Reviewed on: 18th April 2025

Kind, helpful customer service.

Kind, helpful customer service. Wo Reviewed on: 18th April 2025

Very efficient company and the app is really easy to...

Very efficient company and the app is really easy to use Reviewed on: 18th April 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

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