written by Manitee on 25/04/2013
Main bad points: You get sporadic phone calls advertising payment insurance. It is not a secure card, on line purchasing does not use any sort of 3D verification like other cards.
Transaction attempts were made on my card and blocked by vanquis as they were obviously unusual, however I was not informed at the time, only when they had reattempted (successfully) to use my card a month later. I was contacted to check it was fraud, and they sorted it out and eventually paid me a refund (two months later). It seems irresponsible that they knew fraudulent use had occurred, but not notify me until later when a successful fraud transaction had been made..?
Customer services were generally quite polite and helpful. However I had to ring up and push them to pay my refund as they told me it would be paid twice and did not.
My advice: Don't get it if you can get a different one as it doesn't seem very secure. If you have to deal with customer services, be polite but pushy as they seem slow to process things otherwise.
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