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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

VERY CLEAR MONEY MANAGEMENT !

EXCELLENT CUSTOMER CONTACT AND GREAT ASSISTANCE TO EVERYONE ! Reviewed on: 8th November 2017

excellent from all credit

easy access. on hand 24 7 to help excellent for everyone perfect for building credit score works with very bad creditb Reviewed on: 3rd November 2017

Helpful reminders to assist in rebuilding credit rating.

I really like this card. It has text message reminder features so you know when payments are due and balances are low. I have found it good that they don't give you instant increases bit it's based on the management of your account so as you evidence that you can manage your money to get access to greater increases. Customer service has been good, they offer an app which is helpful in keeping track of your usage. Is defiantly recommend Vanquis to others who have had credit difficulties in the past. Just remember that the interest rate is quite high so bear that in mind when applying. A+ Reviewed on: 3rd November 2017

Great to build up your credit if used correctly,

Fab non judgemental company and yes whilst interest rates are super high, if used correctly you can build up your credit score. Reviewed on: 1st October 2017

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

excellent card

Vanquis approached me by post offering a card with competable interest. Initially vanquis claimed they would consider a credit limit increase after 4 months however 3 months in they changed their policy to 5 months with no exception to existing customers. Online banking is useful however paying off the credit card takes 3 working days which can be imconvenient when i send money over which i need to access soon after. Reviewed on: 8th August 2017

Good all round service

Fast approval and great app for smart phone makes it really easy to manage your account Reviewed on: 29th June 2017

High interest

Easy to get , but the extremely high interest is shocking . And they target people who don't really have other options for credit cards . Customer service is awful Reviewed on: 29th June 2017

Helping hand

This is a great card to get your credit rating to a better level Reviewed on: 29th June 2017

Here to help.

I applied for a credit card with vanquis because I had heard that they are a company which gives people will next to no credit score the chance to build a credit profile with their credit card. This was fantastic for me and after applying online, I had my card in no time. However, I really started to get on board with vanquis when I learned of their repayment option plan which really made me realise that this was a company for its people. I am opted in for the repayment option plan and have (unfortunately) had the chance to use the amazing benefits such as an account freeze for up to 2 years due to unemployment. The customer service is very efficient and friendly and the process as a whole is very fair. Reviewed on: 29th June 2017

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