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Vanquis : Credit Card reviews

Name: Credit Card
Rating: 4.52 (480 reviews)

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4.50

Based on 480 reviews, last reviewed 26th Feb 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

78%

11%

Latest highest rating:

5

Nothing too much trouble always willing to listen. Nothing too much trouble always willing to listen. Ability to provide me with an option,always. I would recommend to anyone. I'm in control of my cred... Read more Reviewed on: 26th February 2025

Latest lowest rating:

1

Irresponsible lenders!!! Stay away!!! Now… where do I start… I think Vanquis is an irresponsible lender and I urge any of their 1.7 million customers, who have a slightest doubt about the... Read more Reviewed on: 8th February 2025

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About this product

Vanquis Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Vanquis customers like? Find out more about the Vanquis Credit Card by reading our trusted Smart Money People reviews. You can also write your own Vanquis Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Vanquis Credit Card reviews (480)

Review of the Vanquis, Credit Card:

Irresponsible lenders!!! Stay away!!!

Now… where do I start… I think Vanquis is an irresponsible lender and I urge any of their 1.7 million customers, who have a slightest doubt about their lending being responsible and haven’t previously complained, to make the irresponsible lending complaint as soon as possible. Please share it with everyone. I’ve been Vanquis customer since March 2015. First they gave me a credit card with a credit limit of £150, while I was stuck in payday loan debt cycle. Then they increased my credit limit in December 2015 to £550, when I was nearly at my previous credit limit. Then they done the same thing while I was on maternity leave and struggling financially in May and October 2016 to £1250 and £2250. In January 2017 I was missing payments and they sent me arrears letters. I was diagnosed with serious illness in March 2017 and had to use Repayment Option Plan feature to freeze my account. As a sensible person, I made larger than minimum payments in 2020 and 2022 I think, because I was getting a lump sum for benefit underpayments. This was I think in 2020 I paid my balance off completely. These factors were used against me by Vanquis and FOS too! FOS turned and twisted each and every single fact and used it against me and just kept praising Vanquis! It made me feel sick! I stopped working in 2018 due to health issues. In March 2022 they’ve increased my credit limit to 3K. By then I was drowning in debt, borrowing heavily from anyone I could and using my credit cards and overdraft heavily!I was constantly in my overdraft for 6 years since 2018! They are saying that they reward their customers with the credit limit increases. This is the most disturbing and unethical thing to say! I didn’t know about irresponsible lending until 2024, I made the complaint about irresponsible lending to Vanquis. They didn’t uphold it. I took it to FOS they didn’t uphold it either, although I was advised I had quite a strong case. Vanquis and FOS keep saying that checks were proportionate, I was managing account very well, made overpayments blah blah blah… I honestly think that banks and FOS are in it together and the lenders can pretty much get away with anything as soon as they don’t kill anyone. And I don’t really need Vanquis or FOS to tell me that lender is responsible or not I can see it myself. Both FOS and Vanquis twisted the facts about what checks were completed when lending and increasing credit limits. FOS said that they can’t see ANY evidence about affordability checks being carried out, but they PROBABLY were… and just took their word for it! Vanquis swears they’ve completed the checks, but I don’t think they did and if they did - they were not proportionate!!! However, pease don’t let my unsuccessful experience to put you off of complaining! This burden of debt had a serious affects on my mental health and I’m devastated to say the least. Over nearly 10 years I paid Vanquis bank £10,911.95 and I’ve still got £2,780.00 of debt outstanding from 3K limit, which has now been sold on and I can only afford a monthly repayment of £0.88! I’ve emailed CEO of Vanquis Ian McLaughlin, who sounded very helpful first, but he hasn’t done nothing at all. Patrick Customer Support Ambassador, who didn’t include his last name, was as useless! The greed of these people is unbelievable, honestly! While we are struggling to get living essentials and struggling with unaffordable debt - they are living high lives and “bathing” in luxury! I urge you to please stay away from Vanquis!!! They are unethical, greedy, the most horrible lenders I’ve ever had in my life!!! If you are in the cycle of debt already I urge you once again to complain! And never make overpayments to them! Better spend it on your needs! Vanquis doesn’t even deserve one star, if I’m honest! They don’t deserve to exist at all and are inhumane company! I hope karma will get them soon! Reviewed on: 8th February 2025

Vanquis review

Very good experience with Vanquis with no issues. Mobile app is good also. Reviewed on: 2nd May 2024

Excellent service

I've had nothing to complain about since joining this company Reviewed on: 2nd May 2024

I received good service from Vanquish recently.

I received good service from Vanquish recently. When my card had been compromised. Which I didn’t know about. They safe garded my account until my new card arrived. An excellent service. Reviewed on: 2nd May 2024

Excellent service bar none.

I find my Gold Visa credit card easy to use being accepted in the majority of all places. Excellent on line and by telephone support. Reviewed on: 2nd May 2024

It’s not good, ever time it’s 900 pounds

It’s not good, ever time it’s 900 pounds Reviewed on: 1st May 2024

Excellent service stunning

Excellent service very helpful staff understandable thanks Reviewed on: 1st May 2024

They have goo interest rate and I am please to do bu...

They have goo interest rate and I am please to do business with them Reviewed on: 4th March 2024

Bad bank , not great customer service and poor on of...

Bad bank , not great customer service and poor on offering good products Reviewed on: 10th February 2024

Vanquis are unable to fix their mistakes

Took too much from my account so agreed to refund 1500. Only 500 appeared in my account so called back and they apologised and refunded £1000. They took £1500 off my card which was right but then took another £1000. Id paid off card then to close it down as never want to deal with them again. (Communication is dreadful- they hang up constantly and never call back as promised) so now have a debt showing that I don’t owe and spent over 40 hours on phone trying to sort. Complaint promised some update within 28 days but on day 29 and nothing. Manager on phone advised my bank was to blame as they recalled payments which didn’t exist. My bank knows nothing but they won’t provide references or any info that would aid an investigation. Utterly disgraceful and cruel company. Now being told 8 weeks before they have to respond despite them admitting fault in mistaking 1500 for 500. Apparently have no checks in place to make sure things balance Reviewed on: 31st January 2024

Terrible company

Terrible company, poor communication, if anything goes wrong with your account they will charge you late fees rather than get in contact in writing to say there is a problem, and their customer service and complaints team are arrogant and rude. I would not touch them with a barge pole. Reviewed on: 9th January 2024

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