Vanquis Bank Credit Card Reviews

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★★☆☆☆
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Vanquis Bank Credit Card

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★☆☆☆☆

“Harassment”

Written on: 16/05/2014 by AlanaVance (1 review written)

Vanquis would constantly call your home / mobile any how they could to get hold of you if you missed a payment. Even when agreeing not to call, they call you up to four times a day. … Read Full Review

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Rippedguyuk's Comment

Written on: 04/06/2014

Pay your debt then

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★★★★★

“second chance card”

Written on: 04/05/2014 by Milnean245 (1 review written)

just a quick review, had this card 4 years now, I'm ex bankrupt, and my limit started at £250, i used , i paid, limit increases every 4 months, high interest but people who are applying are high risk. as long as you keep within the agreement that you signed everything will be ok, if not you ruin your second chance of having a credit card, so really its all down to you. today i received a limit increase to £3500 so it does exist , I'm happy but now I'm also sensible with my cards… Read Full Review

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Snakeinthecrass's Comment

Written on: 04/05/2014

Ex bankrupt and you're sensible with your card,that's a complete joke right? Going bankrupt is an easy way of not paying your debts. People like you don't deserve a second chance. Your limit has increased to £3.5k very much doubt that,the total limit is £3k so stop lying. Before you ask my friend works for them

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Atomkins's Comment

Written on: 27/06/2014

Sorry Snake, but I find your comment very unfair.

I work in the banking industry, and there are people, due to some misfortune that end up not in the best of financial situations. Bankruptcy is not an easy route for anybody to take, and it takes many years after being declared bankrupt to regain any credit if not any at all.

I have not been in this situation, but I have many customers coming into branch who have suffered through no choice of their own. So please, until you have experienced this first hand, please do not abuse others or make fun of other peoples circumstances.

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★☆☆☆☆

“daylight robbery”

Written on: 28/04/2014 by Wentworth244 (1 review written)

Im with vanquis and owe 3000 on my cedit card but every month my payments are around 200 hundred pounds and my balance isn't goin down. I give up… Read Full Review

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Andreiru's Comment

Written on: 10/05/2014

DO NOT give up.

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Intercityboi's Comment

Written on: 17/05/2014

Unfortunately, this is how Vanquis sucker people in. I started off at £500, which was manageable, and then they increased me up to the maximum £3000. It's cleverly done as they class this as a 'reward' for being a good customer for paying on time and staying within your limit. In truth, it's just to tempt you to spend it and see your minimum payments rocket. I was paying £150 per month and seeing the balance reduce by pennies each month. Owing to a small windfall, I was lucky enough to pay them off in full (although they still stung me for a further £107 in 'cash interest' the following month). There was no greater relief than receiving the letter confirming my account was cleared and closed. They advised that I was welcome to return as a Vanquis customer. Personally, I'd rather stick pins in my eyes than return to these clowns!

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Wasimakfam's Comment

Written on: 23/11/2014

There is no point in keeping this card after the card becomes GOLD status for Vanquis/ not for you guys. Because at 40% interest no one in suicidal minds will use it for 2 months payment plan.
That's 600 pounds of Britain in year effectively 50 quids a month.

Once you become GOLD status for them then it's time to change card to better up gear.

Unless Vanquis establish a new Black Card scheme to greedy show off brainiacs.
That's so to keep a better looking plastic in wallet at a fraction of a bill.

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★☆☆☆☆

“Awful company the loansharks of the credit card world”

Written on: 19/04/2014 by greggers224 (3 reviews written)

Awful vile company. After having the card for a year they decided to hike my apr up for 39.9 to eye watering 59.9%!! Their so called customer service staff are a joke, rude unhelpful and sound like they couldnt care less when you speak to them on the phone. I ended up cancelling mine. Just been accepted for a Luma card who seem much more efficient and helpful than these robbing gypsies. Avoid Vanquis like the plague!!… Read Full Review

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★☆☆☆☆

“Avoid vanquis like the plague”

Written on: 16/04/2014 by S.Brack (1 review written)

I must have completed something not knowing regarding the above company and now receive phone calls constantly from them. I have instructed them to stop but there obviously deaf and pin stupid because they don't listen… Read Full Review

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★★★★★

“Second chance”

Written on: 13/04/2014 by StacyMcCracken (1 review written)

I spent years chasing my tail with debt and only now I'm in my 40s I'm getting on my feet. I was delighted to be accepted by Vanquis and started on £500 limit 2 years ago I'm now on £3500 ( I didn't know it went up so high). The interest is high but I've always stayed in my limit and paid on time and have been rewarded by Vanquis with constant credit increases. Vanquis is a good company to get a second chance with as long as you can trust yourself to be sensible if not you get whet you deserve… Read Full Review

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Bigchesteddawn's Comment

Written on: 14/04/2014

I use to work for vanquis! They're rubbish! To be honest the card is capped at £3k so I'm somewhat surprised it been any higher..

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Jazchaz's Comment

Written on: 28/04/2014

My grandad is terminally unwell , he couldn't afford the card and he was on his limit of 3000 for a long time we called to explain that he couldn't aford the payments, they wanted near 160 a month he 84 and has a life expectancy of 2-4 years at best , we said could we just pay 45 per month so they get something back, the delightful person said if we send proof of diagnosis theyd most likely wipe it off, we sent it in with a letter in January 2014 , were still waiting haven't paid and there just threatening collections and adding interest and charges per month nearing 200 . What can we do ?

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Petertheravbitofit's Comment

Written on: 04/05/2014

Sorry to hear of your grandads illness,simply don't pay it and report them to the FSA

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★★★★★

“No Problems here.”

Written on: 10/04/2014 by zjBarrett384 (1 review written)

I have had a Vanquis card for only 3 months.. Every month I spend about £120 and pay it off the day after the statement is produced. This month I paid my balance off in full and had to spend £20 on the card. Because the balance on line had not updated it let me also make that £20 payment too! I am at this current time on a £250 limit and £1.70 in credit. Apart from initial call they have not called me and I have not needed to call them. I am on 3.9% APR per month which is also on the… Read Full Review

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Davidplattcorriest's Comment

Written on: 14/04/2014

£1.70 in credit? Surprised the account hasn't been blocked! Mine was 11p in credit and account was blocked...

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★☆☆☆☆

“Avoid if you can”

Written on: 15/03/2014 by Jaychez (8 reviews written)

If you have another option don't use Vanquis, if you do use them avoid their Repayment Option Plan as its PPI in another form. Customer service is very poor, you will get through to them, but they are quite rude and argumentative. The card does what it says but at a cost of high APR. Be sure to check your statement every month!!!!… Read Full Review

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★☆☆☆☆

“DONT WASTTE YOUR TIME”

Written on: 21/02/2014

If you are reading this you are probably in need of quick cash and have bad credit . This is not the option , it takes nearly a month to even get access to the card , thats right a month . Customer service is met by the upmost arrogance , and , they do not care as they know that you need them , they dont need you . PLEASE PLEASE DO NOT USE . YOU WILL BE DISSAPOINTED… Read Full Review

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★☆☆☆☆

“burn them”

Written on: 11/02/2014 by robertbayne (1 review written)

applied for a card got rejected so forgot about it but they dont forget constant phone calls they 2 ringed me this morning at 8.30 a think i might need to hunt down the ceos personal number n harass him… Read Full Review

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★★★★★

“Fantastic Credit Card”

Written on: 02/02/2014

I applied for this credit card back in 2010 and was accepted pending my address being verified. I was given a £200 limit which was sufficient given I had very bad credit following a split with my partner. They were the only ones to give me a chance! My credit limit has increased every 6 months and I am now at the maximum £3000. I do all my banking online and pay the balance off in full every month and have never had a problem. I was also very aware of the APR when I took the card and it… Read Full Review

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Percythelamb's Comment

Written on: 14/04/2014

Why be loyal to them? Had used the card for 12 months got a credit history started of at £500 increased to £1k , never had credit before..Applied for the asda card instant approval with a limit off £3500 also applied for the MBNA platinum instant approval of £5500, I've got no loyalty to vanquis, I kicked it to the curb..nobody likes those sort of cards in they wallets

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★☆☆☆☆

“Wish I could give Zero stars”

Written on: 04/01/2014 by joh71262 (1 review written)

Yes they really ARE that rubbish. The card has served its purpose for me as it has helped me repair my credit. Unfortunately, dealing with the (&£($&% (insert your own expletive there) in their so called customer service team is the stuff of nightmares. I was supposedly a gold card member but all that seemed to entitle me to was rude and ignorant staff when I called with a query - and this was virtually without exception. I have chopped the card up into the smallest, sharpest little pieces and… Read Full Review

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Bigbellee's Response to joh71262's Review

Written on: 09/01/2014

I agree. I always settle my monthly online account in full. It usually takes ages to log in; so much so that I refuse to use their site; instead I have set up a payment through my online bank accounts. The idiots in sales/customer services try to sell clients worthless payment protection insurance. I just tell them to try selling something else as they clearly have very little or indeed no comprehension of 4,000 % credit card interest. Paying in full every month, even when spending 4 or 5 times the average amount particularly at festive seasonal times is sensible, all be it not good news for credit card providers when they must make do with the commission paid by the supplier of goods or services for the privilage of flogging stuff this way

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★☆☆☆☆

“Not a customer but bombarded by calls”

Written on: 03/01/2014 by tallington (4 reviews written)

I was called every single day, three times a day, for three weeks over the Christmas period. I'm not a Vanquis customer, and they were looking for someone else - despite my protests that I don't know this person. I only got this to stop by emailing the CEO, contacting the Financial Ombudsman and complaining to the Information Commissioner's Office. Here are my observations if you're thinking of becoming a customer: - Clearly you can give any details, since this chap had given a duff number -… Read Full Review

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★★☆☆☆

“HELP!!!”

Written on: 17/12/2013

Ok just signed up for one of these today and I know I lve got cooling off period so I could cancel this if I wanted to just wounded if I did cancel this straight away tomorrow would I be charged for anyway still get phones and the rest of it and what if I kept it and didnt sure it at all is there a charge there aswell for not useing it cause id still be getting statements could really use advice on this guys thanks… Read Full Review

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Fatsue's Comment

Written on: 01/01/2014

Well I didn't understand a word of it! Is their some coralation between how stupid you are and how you string a sentence together?

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Meowwwwwww's Comment

Written on: 24/01/2014

correlation, not "coralation".. Silly !
Duhhhh!

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Meowwwwwww's Comment

Written on: 24/01/2014

For other people's reference, you can cancel the credit card within 14 days. Unfortunately, applying for it will have lowered your credit score and I'm guessing you will have several "administrative" fees to pay off first.

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Fredkingsf's Comment

Written on: 27/01/2014

Why would their be any 'administrative' fees if the card hasn't been used,you simpleton! Furthermore,one credit search will not affect your 'credit score' you are allowed three searches within six Months. Instead of spell checking other's on here perhaps you need to know the facts regarding the consumer credit act!

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★☆☆☆☆

“Avoid at all costs”

Written on: 14/12/2013 by Daz1972p (7 reviews written)

Haven't been able to use card for three days now as it's always declined. Customer so called services are useless, promise to unblock it but don't, last spoke to them on sat afternoon and was told by the rude girl half way through discussing the situation that she was now going home and I would have to wait till Monday morning to call back and hung up. I have never missed a payment, never gone over limit so I guess they do not want me as a customer as the cannot add charges to my account, so… Read Full Review

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Joh71262's Response to Daz1972p's Review

Written on: 04/01/2014

I am a supposed Gold card member but all that seems to entitle me to is rubbish customer service an like you, a card the works when it wants to. Luckily I've been accepted for a proper credit card elsewhere but am about to fight with the "billed deferred finance charges" of nearly £50 they've slapped onto my account. I've already chopped up my card and returned it to them with a scathing letter to which they will never respond, telling them how useless they and their CS staff are.

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Girlie1112's Response to Daz1972p's Review

Written on: 07/03/2014

stop lying! You maxed the card out and never paid, or you are cashing it out at ATM's. Vanquis never blocks any card they issue, unless you abuse it!

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Daz1972P's reply to Girlie1112's Comment

Written on: 08/03/2014

U r lying, they will block a card if they think u r using it too much, example is if u only make small purchases and the suddenly use it for a high value purchase. How date u insinuate that I have abused the card, I have never gone over my limit or missed a payment.

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Intercityboi's reply to Daz1972P's Comment

Written on: 17/05/2014

Vanquis DO block cards if you carry out X amount of transactions within a small period of time. When I had their card (which, thankfully, I no longer have) I did some Christmas shopping. I used the card in M&S for a small transaction of around £12, another store for around £10 and when I went to use it in another store for around £8, it was declined. It being Christmas time, their was a massive queue behind me and the assistant didn't help by booming out that the card was declined. I called Vanquis to ask just what was going on (their was plenty of available credit on my card) and the advisor said they did this to counter fraudulent transactions. Now if I'd have made numerous high value transactions, I could understand, but transactions totalling £30 using chip and pin? Ridiculously useless, just like the company and its customer service!

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★★★☆☆

“need to know the intrest people!”

Written on: 28/11/2013 by cranney93 (1 review written)

I have spent 220 pound took out minimum payments so how much will I pay back next month?… Read Full Review

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Joh71262's Response to cranney93's Review

Written on: 04/01/2014

Check your confirmation letter. It will tell you the monthly interest charge

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★★★★☆

“High APR but it gives you a credit rating!”

Written on: 25/11/2013

Everyone that gets this credit card is more than aware that it has VERY high APR. As long as you pay your minimum payment on time, it isn't a problem. If you can't afford to pay it back or don't like the APR, surely you shouldn't get a credit card. Be aware of their version of PPI - it is the same thing pretty much, just a different name and they may put it on your account and charge you without your knowledge. Customer service are good and efficient most of the time (some made it VERY… Read Full Review

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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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