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Vanquis : Credit card reviews

Name: Credit card
Rating: 4.24 (554 reviews)

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4.24

Based on 554 reviews, last reviewed 22nd Feb 2026

100% decrease in 5 star reviews

in the past 90 days

500% 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

Avoid avoid avoid at all costs Had a refund from an outside company paid back onto my Vanquis credit card. Despite 5 ( yes FIVE) phone calls requesting this be paid into another ban... Read more Reviewed on: 22nd February 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.

Vanquis Credit card reviews (554)

Review of the Vanquis, Credit card:

I had to pay scammers . And I reported fraud.

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

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

Shit, utter shit

Given a shitty credit limit which they refuse to increase. Reviewed on: 17th June 2020

Awesome

Great for improving your credit score. Great customer service Reviewed on: 2nd June 2020

Great app

The app is brilliant. It takes into account that a lot of customers may not be financially savvy and lays everything out simply. I haven't been a customer for long but am very happy with how easily I can make payment, set up Direct Debits and access education pages for more complex features. The call centre answer within a couple of seconds, and are always friendly and helpful. I would 100% recommend vanquis to anyone, they always put the customer first and in my experience will do anything to help keep you on track to reach your financial goals! Reviewed on: 3rd February 2020

Appaling

These people are sharks. Totally unhelpful when you are struggling to meet your payments and outrageous APR's.. How can you justify £250 payment on £3,000 outstanding.. Total rip off. Paid off now, but never again.. Reviewed on: 22nd November 2019

Diabolical

Diabolical customer service, incompetent all around Avoid at all costs Reviewed on: 10th October 2019

Great for building up your credit score

Stay within your credit limit and pay on time and it does help build up your credit score Reviewed on: 9th June 2019

do not touch this bunch of cowboys

100% payment every month and never increased credit limit so got rid of the card Reviewed on: 9th May 2019

Great card

Vanquis have helped me improve my credit rating when other companies would offer me no credit. The website is easy to use and they're very transparent. Reviewed on: 8th May 2019

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