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Vanquis : Credit card reviews

Name: Credit card
Rating: 4.23 (561 reviews)

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4.23

Based on 561 reviews, last reviewed 17th Apr 2026

400% increase in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

77%

11%

Latest highest rating:

4

Easy to use app The Vanquis app is easy to use and you can set up reminders for payments, direct debits etc. Reviewed on: 17th April 2026

Latest lowest rating:

2

Good for improving your rating but poor service I always pay off my credit on time and reliably. At points, I have had to depend on my card to get through certain periods. The issue I have had with ... Read more Reviewed on: 16th April 2026

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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.

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Vanquis Credit card reviews (561)

Great

Great credit card company for boosting credit file, as long as you work it correctly. Reviewed on: 10th August 2021

Dodgy company

I opened an account with vanquis, from the start they were terrible, my pin card & credit card came together. So anyone could have stole my identity. Then they wouldn’t let me sign into my account & said they would contact me, never did. They then sent me a letter with someone else’s name on it, I opened without checking the name. I saw they had sent their account to a debt company. Then a week later I got the exact same letter, saying they had sent my account to debt company for exactly same amount. I never even activated the card, so had never used it. It has took my credit score down. Made a complaint & got a letter, saying they wouldn’t do anything about it. Very dodgy company. Reviewed on: 24th July 2021

Reliable

Vanquis have increased my credit limit at a sensible rate Reviewed on: 23rd July 2021

Brilliant service

I have never had an issue with this company Reviewed on: 14th June 2021

Damaged my credit score.

Could never sign into this card, so I just cut up my card & never used. They sent me a letter saying they had closed my account. Now I get a letter saying they’ve charged me £40 on a repayment option plan & sent it to a debt agency but it was a mistake & they’ve refunded me. I had this company for less than a couple of months & they’ve ruined my credit limit & I’ve got a black mark against my name. Terrible company!! Reviewed on: 14th June 2021

Give this company a wide a berth

Give this company as wide a berth as possible, their customer service is dire and they are very inflexible. Anyone thinking of applying for a credit card from Vanquis will have to be desperate. Reviewed on: 9th June 2021

Awful

Terrible experience Never again Reviewed on: 1st March 2021

Upto Date So You Won't Be Late..

Real Time Transactions As They Happen Alerted To You Via Your Chosen Communication Methods, Affordable Monthly Interests On Purchases & More People Accepted Without Judgements Compared To Other Brands On The Market That Won't Give You A 2nd Look.. Great Easy To Use App With Fantastic Tools To Keep You Safe & Secure Including Loads Of Helpful Advice On Hand 247 To Keep You On Track As A Responsible Lender There Simply Isn't Another Alternative & I Wish Them All The Very Best For The Future .. Reviewed on: 17th February 2021

Late payments means three phone calls a day until you pay

Never miss one payment or you can expect based on my experience excessive Debt collection with * up to three phone calls per day plus * text messages * emails * letters Although this may seem unusual it is not illegal to chase debts in this way by the agents at Vanquis as they have targets to meet. If you get behind with one payment and feel you are being harassed you can ask Vanquis for a list of the calls under your Data Subject Access Request rights. Vanquis have a complaints procedure if you feel you are getting chased too much with three phone calls a day plus other communications. They are supposed to respond within three working days. You may choose to report Vanquis to Financial Conduct Authority (FCA) for Harassment. Vanquis also have to report to The FCA that they have received your complaint. The fca website is helpful Vanquis have a helpful customer service but never be late with a payment. The automated telephone system will urge you to pay more than one payment to keep your account up to date which can be confusing and encourage arrears debt collecting phone calls. The card looks good and is accepted everywhere just like any good credit card. Reviewed on: 3rd September 2020

excellent for helping to build up credit scores

As long as you keep within your credit limit and pay on time it's a really good card to have if you're trying to build up your credit score Reviewed on: 12th July 2020

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