Vanquis Bank Credit Card Reviews

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★★☆☆☆
2.3 / 5
35% of users recommend this
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Vanquis Bank Credit Card

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★★★☆☆

“Gone over limit”

Written on: 23/11/2013

I have loved my vanquis card until TODAY. I pay the minimum amount every month and check my balance almost weekly. At the beginning of last week I checked my balance, I spent half of what was available. I rang and checked it this morning to find that the interest had taken me over my credit limit so I rang straight away to make the necessary payment. I was due a credit increase on the 27th of this month which I was relying on to see me over the festive period. I asked them if going over my… Read Full Review

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Milan1602's Comment

Written on: 30/11/2013

Hi I would say no as they work on an automated system. So the chances of the increase happening becuase of what happened is slim. Unless a line manager would be willing to override it however I doubt they would do that . Sorry couldnt be anymore help

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Girlie1112's Comment

Written on: 07/03/2014

Why apply for and use these type of cards if you know you cant afford to pay the balance of each month or if not, at least twice the minimum payment. Did you not check the APR.

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Misselaineious8's Comment

Written on: 15/01/2014

Hi, I think this might happen to me too. I have gone over my credit limit by 30p, ( as I withdrew cash and thought the fee got deducted at next statement not immediately) and spotted this yesterday .... the same day I received a letter telling me about a limit increase.
I've paid a few pounds to being me back under the limit, but am now thinking I'll miss out.
Did they say when you might be eligible again? Can I ask if you were over your limit by much more than 30p?

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Girlie1112's Comment

Written on: 07/03/2014

Never ever use a credit card to draw cash! It also shows on your credit file and other lenders may think you are desperate for cash.

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Angryrobjack's Comment

Written on: 01/01/2014

Paying the minimum payment is very dangerous,the interest along would amount to nearly the minimum payment amount! As for going over you're credit limit that is your own stupid fault.Furthermore, Vanquis will never increase your limit as a result! It seems to me maxing up your limit gives the impression your irresponsible and credit hungry! Personally, pay more than the limit for example, if your minimum payment is five pounds three would be interest,so I would suggest you pay at least fifty to sixty per month.

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★★☆☆☆

“Would not recommend ”

Written on: 14/11/2013 by Postmanstu (1 review written)

Been with vanquis for 18 months never really had a problem to be honest with you guys. I just never heard of this deffered interest. Never had a late payment charges etc. I would suggest that anybody who spends is to avoid maxing it out. I cannot work the interest out correctly despite having a mathematics degree. I have never known any credit card company to charge interest in arrears. I have found some of the staff to be rude,some who have the intelligent of a dead cat! Some are liars. I… Read Full Review

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Joh71262's Response to Postmanstu's Review

Written on: 04/01/2014

I'm going through this at the moment with my card. I am prepared to fight the deferred finance thing though as mine is nearly £50 ON TOP of £21 interest. I think the staff read from crib sheets which is why they have no clue what they are talking about. Can't wait to be free of them I can tell you.

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★★★☆☆

“50 Transaction limit”

Written on: 30/10/2013 by mattkeen (1 review written)

So I run my account well and pay it off every single month in full. To be honest given that fact and that I never ever give them any money I don't have an issue with them at all. i.e. I never need to contact them, they don't contact me and all is good. However I've exposed a massive issue with their online banking because I use it for everything I do. Believe it or not their system can only show 50 transactions in any given month, to make it worse it's not the last 50 it's the first 50! So… Read Full Review

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★☆☆☆☆

“Never get accepted!!! grrr”

Written on: 02/10/2013 by sammyjayneex (9 reviews written)

I have applied with this company over the past 2 years and have NEVER been accepted for a credit card....why???? i thought it was for people with bad credit to help rebulid it well they send me invites and emails but never give me one whats the point… Read Full Review

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Patrick1991's Response to sammyjayneex's Review

Written on: 10/11/2013

Hi there.
if you want a credit card from the company then may i suggest that you call them up and apply that way i was the same i had a very poor credit score and i did not get a card for the 6 times i applyed then i got told to try calling them when i called them they gave me a basic card with £300 credit limit and after 6 months my credit score had went up a good deal and i got a credit limit raise to £1500 and now i have had contract mobile phones no problem as long as you keep all debts up to date you will find them a great bank

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Joh71262's Response to sammyjayneex's Review

Written on: 04/01/2014

If you haven't got one yet, PLEASE try and avoid them. I am trying to rid myself of these idiots (wanted to use a stronger word !!!!) and it's not as easy as you would think. Steer clear if you can

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Dave.franks's reply to Joh71262's Comment

Written on: 17/01/2014

Same Here I Am In Hell Of A Pickle With Them, Tried Closing Account Down With Them They Keep Slamming Interest On And Don't Tell You, You Can't Talk To Them On The Phone As They Have Very Little English, I Entered On To A DMP And They Accepted The Monthly Offer, When It Come To Due Date They Would Sell Debt On But They Cant Tell You Where It Has Gone. So I Phoned DMP Up And Took Them Off The Plan They Wont Even Update My Address.

NOT TO BE FUNNY GLAD YOU GOT DECLINED MATE, STAY WELL AWAY FROM THEM THEY ARE DOGGY PEOPLE.

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Girlie1112's reply to Dave.franks's Comment

Written on: 07/03/2014

you cant close an account with debt owing on it! Are you for real?

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★☆☆☆☆

“Im now FREE.... Avoid Vanquis if you value sleeping.”

Written on: 01/10/2013 by sjb86 (2 reviews written)

I applied for a Vanquis card in 2007 and got it with a £250 limit with an Apr of 39.9. Shocking I know but with a £250 limit it didnt seem too bad to try and handle to get my credit rating up. 3 years went by of not really any issues just allowed them to take the direct debit. 2010 credit limit increase, great went up to £1000. What I didnt notice was that the Apr went up to 59.9. According the Vanquis as soon as I spent on the card after the increase I agreed to the new terms. Jan 2011… Read Full Review

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Girlie1112's Response to sjb86's Review

Written on: 07/03/2014

All you had to do was call them and cancel the ROP. I did.

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★☆☆☆☆

“Shockingly dishonest ”

Written on: 24/09/2013

They first lure you by a pre-approved application and then deny you the credit card. But the worse of this dishonest process is that they will give your information to the small petty personal credit so they will call and hassle you every single day, many times per day. Shame on you as you still call yourself a bank… Read Full Review

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★☆☆☆☆

“This company just DO NOT know what they are doing”

Written on: 19/09/2013 by genagstring (1 review written)

I applied for a vanquis card face to face on the 2nd august 2013. I was told i was approved for a £1,000 limit. I was happy condiering my credit hasnt been the best and i have been working to build it up over the last year or so. Well this is when the problems start, when i applied face to face i was told that someone would call me the next working day and speak to me, and that i would recieve my card within 3-5 working days, from the day of application. I filled in the form at the desk with… Read Full Review

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Fatpatwithabigmouth's Response to genagstring's Review

Written on: 05/05/2014

I don't believe you! Vanquis are based in Bradford,With offices in London and Chatham,read the company portfolio,it's states " we are based in the UK,and are proud that we are the only credit card company not to outsource overseas" cannot stand liars,and your one of them

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★☆☆☆☆

“Customer Service”

Written on: 05/09/2013 by Bedisgusted (1 review written)

My account shows 4 purchases that I did not buy ( I still have the card), well over £400, and I have tried for 4 days to contact them on the lost card number and the automated phone system, I am still waiting for someone to to answer the phone!! I am reduced to writing to them, (they don't have an e-mail contact THAT should have warned me about the number of complaints they must get,) to tell them that my account is being used and not with a legitimate card. A Mickey Mouse operation for… Read Full Review

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★☆☆☆☆

“Nasty, immoral company”

Written on: 28/08/2013 by FightTheClowns (1 review written)

DO NOT USE THIS COMPANY... EVER! You can be over-limit and they will still HARASS you on the phone trying to sell you products you not only DO NOT WANT but also you CAN'T AFFORD. Disgusting company. They harass you non stop on the phone day and night, they have cunning ways of charging you money you without you even realising and they make things purposely difficult to understand so you DO NOT QUESTION you statements. If you need a credit card and vanquis are the only ones who will give you… Read Full Review

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Pipster1234's Response to FightTheClowns's Review

Written on: 17/09/2013

Totally agree, recently took them to the Ombudsman who couldn't work out the statements but ruled in their favour, all in it together springs to mind.

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★☆☆☆☆

“Any company that pesters you with 20+ emails a week to...”

Written on: 24/08/2013 by Unhappychappy123456 (2 reviews written)

Any company that pesters you with 20+ emails a week to apply for a card with no option to unsubscribe is a bad egg in my books. I have clicked the unsubscribe link on the email many times but there is no option to unsubscribe anywhere. And what company these days doesn't have a contact email address??? Look at the complaints data. It soaks for itself.... In such a short space of time there are many complaints registered about this company. My advice to everyone would be avoid like the… Read Full Review

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Lifexperience's Response to Unhappychappy123456's Review

Written on: 09/09/2013

Can't you block them? Outlook allows you to block unwelcome emails by entering it's email address.

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Unhappychappy123456's reply to Lifexperience's Comment

Written on: 09/09/2013

I block and junk... They send from various different email addresses. So impossible to stop the mails!

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★★☆☆☆

“easy to get accepted but steep apr and poor service”

Written on: 25/07/2013

i got accepted for this card easily and received my card swiftly. vanquis claimed that i would get increases every quarter, which never materialised after holding the card for just under a year. i never went over limit and paid in full every month (thanks to a steep 59.9%APR) but still that was not good enough to get an increase. i hold an aqua card and a barclaycard which they gave me credit limit increases much sooner (both after about 4months) so the vanquis became obsolete so I closed the… Read Full Review

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★☆☆☆☆

“Whatever you do dont get one.”

Written on: 23/07/2013 by Kevin_71 (1 review written)

Everything was going alright until a couple of months ago. Living in Scotland and my parents live in Hampshire. My father was diagnosed with terminal cancer and shortly after my mother called me and said I think you need to come home quickly. A payment was made around the same time as I headed south. My father did live for a few weeks longer but was deteriorating rather quickly and I felt I had to stay home to be with him. My employer was good and let me have as much time off as I needed… Read Full Review

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Pipster1234's Response to Kevin_71's Review

Written on: 30/07/2013

Totally know what you mean and sorry about your Dad. They ring me on an hourly basis even though I have taken them to the Ombudsman, I wrote to them and twice to the CEO but they deny getting the letters (sent recorded so I know they got them), have given up calling them as the phone numbers are premium rate ones and no alternatives are given, It amazes me that if you are in financial difficulty they only supply a costly number to call.
They are the lowest of the low and rip off merchants.

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Intercityboi's Response to Kevin_71's Review

Written on: 11/08/2013

Firstly, I am very sorry to read about your father. I can totally understand your comments about this shoddy excuse for a credit card company. They're nice as pie to you when you're paying on time but as soon as you hit a problem, something not necessarily your fault, they will not listen to reason. I think the staff are put through an intensive customer dis-service course before they are let loose on the 'help' line.

The best thing I ever did was to pay these clowns the balance in full and shut the account. Even though, they sent me a 'statement' for July 2013 and the account had been closed since December 2012. When I called to query it, one of their gorilla's, rather rudely, barked it was a 'mistake'. Getting the card in the first place was my 'mistake'.

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★☆☆☆☆

“Unethical Loan Sharks and Theifs”

Written on: 20/07/2013 by Haliharassment (1 review written)

Avoid getting any credit card from Vanquis. My experience is they are unethical and do not care about UK credit regulations. I have had nothing but un substainated charges applied to the card up to £1000. They claimed mistakes and errors and keep saying they will refund but instead keep adding charges. I had to make one claim when I paid a deposit for flights to Spain but the agency I paid to went bust, ATOL advised me Vanquis should refund the costs. I applied to Vanquis who said they would… Read Full Review

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★☆☆☆☆

“SERIOUSLY CONCERNED ABOUT THE LEGALITY OF THIS FIRM”

Written on: 19/07/2013

Telephoned Card Company on Monday to pay card off in full. Paid CASH into a major Bank over the counter into this company's account. Government Ombudsman ruled that any monies paid should NOW ONLY TAKE A MAXIMUM OF THREE DAYS TO CLEAR. Telephoned on Friday to check account. This company claimed "NO MONIES RECIEVED." Extremely concerned telephoned an spoke to customer services. Checked and confirmed money received yesterday THURSDAY but state it will not clear until FIVE DAYS from receipt… Read Full Review

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★☆☆☆☆

“Worst company of all time”

Written on: 15/07/2013

This company is complete BS please do not apply for their cards! I was away on holidays and missed a payment and these people called my house and mobile phone atleast 6/7 times each day. They are rude and say you're lying which is complete BS. Please tell these people to F off if they ever offer you a credit card… Read Full Review

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Richprice65's Comment

Written on: 15/07/2013

Hang on a sec - I've got a vanquis card and I've never had a problem with them. You have to appreciate that Vanquis lend money to people like me (I had some rather unpleasant financial problems in the past) and presumably are concerned about default.

Whilst I wouldn't condone 6/7 calls a day - which clearly is excessive. If you'd paid on time there wouldn't have been a problem. Presumably you paid by debit card as soon as they spoke to you to remind you about the missing payment - at that point, once they'd made contact with you the and you'd paid surely the calls would stop.

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Girlie1112's Comment

Written on: 07/03/2014

I have to agree with Richprice65's commtnt.

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Girlie1112's Comment

Written on: 07/03/2014

To avoid missing payments, set up a direct debit to pay the minimum each month then pay extra monies to the account in between.

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Dantheman3's Comment

Written on: 17/07/2013

i agree with rich,if you missed a payment on gas,electric,contract phone,landline,etc they call you,so why bleat on here when you paid late,ok my only gripe with vanquis is the 550 limit im stuck on been with them since 21/3/2012 and had one raise from 150 to 550 always pay at least 110 off a month,never been late,and clear my balance about every 6 months,but other than that cant fault them

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Girlie1112's Comment

Written on: 07/03/2014

Agreed also with Danthemam, I have my vanquis gold card with £3000 credit limit for 4 years. never used more than £1500 on the card and pay full balance by direct debit if I use the card. Never had a problem with them ever.

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★☆☆☆☆

“CUSTOMER NO ACTION TEAM”

Written on: 10/07/2013 by NICE1NEIL (1 review written)

I HAVE REGISTERED A COMPLAINT AND AFTER 7 LETTERS, 2 PHONE MESSAGES AND HUNDREDS OF EMAILS (COPIED AND PASTED AND SENT EVERY HOUR) I HAVE ONLY RECEIVED A REPLY OFF THE IT DEPT SAYING THEY'D FORWARD EMAIL TO CUSTOMER SERVICE. TERRIBLE, TERRIBLE, TERRIBLE. I RECEIVED A LETTER FROM A MANAGER OF THE CUSTOMER ACTION TEAM, BUT SO FAR I THINK THEY SHOULD RECALL THEMSELVES CUSTOMER NO ACTION TEAM… Read Full Review

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Nickski2013's Response to NICE1NEIL's Review

Written on: 19/07/2013

Join the repetetive email club. In the same process myself. Can't find the 'No Action' team's email.

This is, without doubt the worst company I have ever dealt with, and I've lived in some rubbish countries!

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★☆☆☆☆

“WARNING DO NOT APPLY”

Written on: 05/07/2013 by New_User1989 (3 reviews written)

Just going to write a simple review to advise people NOT to take this card out. The interest is a joke, the charges are a joke, They will have your financial status in tatters. Just look at the money saving expert forum and see the threads on this company. I still owe them a good bit of money and I just pay every month now but they add little things in that take away what ever money you pay back. The customer service is awful and they are willing to bleed with all there hidden charges. Now… Read Full Review

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Compass209's Response to New_User1989's Review

Written on: 24/07/2013

WHY USE THIS CARD IF YOU CANNOT AFFORD TO PAY OFF THE FULL BALANCE WHEN THE STATEMENT IS DUE ???

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New_User1989's reply to Compass209's Comment

Written on: 24/07/2013

Because I was gullible when I was a bit younger when I got made redundant I could not keep up being out of work only able to pay a few months on JSA, Which at this time they still charged unknown things on the card and at no point did they help when I was made redundant !

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Girlie1112's Response to New_User1989's Review

Written on: 07/03/2014

I am Vanquis customer for 4 years with a gold card limit of £3000. never got charges and pay full balance by direct debit if I use the card. Good customer service, had no probs with them.

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Compass209's Response to New_User1989's Review

Written on: 24/07/2013

LET ME GIVE YOU ONE PIECE OF EXTREMELY USEFUL FINANCIAL EDUCATION !!!

BACK IN THE 1850S MR MICAWBER AND DAVID COPPERFIELD BOTH WORKED IN THE SAW MILLS.

MR MICAWBER SALARY EARNT £1 EXPENDITURE £1.01 RESULT MISERY

DAVID COPPERFILED SALARY EARNT £1 EXPENDITURE £0.99 RESULT EXTREME HAPPINESS !!!

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★☆☆☆☆

“Stay away”

Written on: 01/07/2013 by Christinetaggart74 (1 review written)

Please stay clear of this card I just found out every time u make a purchase you are charged £7,this is taking advantage of people it is discusting… Read Full Review

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Compass209's Response to Christinetaggart74's Review

Written on: 24/07/2013

VERY STRANGE I MADE 16 TRANSACTIONS ON MY ACCOUNT LAST MONTH AND WASNT CHARGED £112 !!!!

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Girlie1112's Response to Christinetaggart74's Review

Written on: 07/03/2014

That is not true, they may charge you interest if you dont pay your balance in full but they do not charge to use the card on purchases. Please be honest!

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★★★★★

“Bankrupt to Excellent Credit rating with this card”

Written on: 27/06/2013

Got this card about 2 years after opting for bankruptcy due to unmanageable levels of debt and ludicrously unhelpful lenders. I went from a £500 limit up to £1000 in 4 months, and then up to £1750 4 months after that. I use it as my "Spending Money" card throughout the month, and then pay then entire thing off in full at the very start of the billing cycle. Once a month I check my credit report, and since getting this card, it has steadily risen from the doldrums of BAD up to a… Read Full Review

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Dantheman3's Comment

Written on: 03/07/2013

i wish mine would go up a bit,went from 150 to 550 from december and not had any more since,always paid well in advance,always well over min payment

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Escape1979Uk's Comment

Written on: 04/07/2013

Mine fluctuates quite a lot, depending on the time of the month that I check my score.

Where this is the only line of credit I have, if I check at the end of the month before I have paid the balance, my total used credit is considered very high, dropping my rating like a stone.

Try checking a week or so after you have paid to give the decrease in utilised credit a chance to update.

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Dantheman3's Comment

Written on: 04/07/2013

i mean my credit card limit not my score lol , not intrested in scores at all,just think im a good customer for vanquis and dont get the limit raised much

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Girlie1112's Comment

Written on: 07/03/2014

To get an increas, you need to spend on the card regularly and pay balance off in full, within a year you will have £3000 credit limit.

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Kelvinknowsbest's Comment

Written on: 07/06/2014

So you go bankrupt,then apply for credit,people like you don't deserve a second chance! It's a pity your so called spending money didn't go towards your creditors. All you had to do is go to the citizens advice or go to a solicitors ever of them would of advised you. Oh and a score of 980 means nothing try apply for a mainstream lender and you'll be declined,simply because your bankruptcy will still be showing for at least two more years!!

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Girlie1112's Comment

Written on: 07/03/2014

Well done! happy for ya!

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Nickski2013's Comment

Written on: 19/07/2013

You just have to work for them!
They are the worst company ever!

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★☆☆☆☆

“Worst customer service EVER”

Written on: 24/06/2013

Do help you build your credit if you've not had any before but seriously hard work should you move/get married. I got married 2 years ago and unless I send them my original wedding cert or pay for a solicitor to authorise a copy they won't change my name- have offered to send scanned copy, proof of new name(scanned passport/utility bills etc)but refused to do. Have given my new address 3 times and each time it hasnt been updated on the system. When I asked for a new card sending I was told… Read Full Review

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