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Vanquis : Credit card reviews

Name: Credit card
Rating: 4.40 (598 reviews)

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4.40

Based on 598 reviews, last reviewed 17th Jun 2026

4100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

78%

10%

Latest highest rating:

5

I paid into a wrong account and They resolved it qui... I paid into a wrong account and They resolved it quickly even though the sending account was reluctant to support. Reviewed on: 17th June 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 (598)

Excellent

No fuss one quick phone call and all done , card sent quickly too Reviewed on: 26th April 2018

Good entry level Credit Card

Vanquis offer a good entry level credit card to help people build or even re-build their credit ratings. Reviewed on: 9th April 2018

reliable but costly intrest if not paid on time

easy to apply and give temporary code if you need cash straight away but costly interest if your late repaying Reviewed on: 4th April 2018

Great

This company has helped me improve my credit history after I couldn't get credit anywhere else due to some mistakes I made in the past. They have easy payment options and send a couple pf reminders so I know exactly where I stand. Reviewed on: 9th January 2018

Fantastic

From start to finish an easy process at great rates. Money in bank before first payment has to be made and repayment date at a preferred time for you. Wow, I can't thank Vanquis enough for helping me out. If anyone needs a loan check this first as sure you will be thankful. Reviewed on: 4th January 2018

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

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