Vanquis Bank Credit Card Reviews

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★★☆☆☆
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★★★☆☆

“Credit increase leaves alot to be desired”

Written on: 22/12/2014 by ajones32 (1 review written)

I have been with vanquis now for 14 months and find that only being offered one increase in that time from £250 upto £1000 quite a let down. Ive not missed any payments and pay around 30x the minimum payment if not more. On the other hand aqua card is alot better, ive been with them the same amount of time and ran my account exactly the same and they have increased every 4 months and started at £250 and im now at £1800, plus aqua also reduce your interest rate every year. I do appreciate… Read Full Review

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★★☆☆☆

“CHARGESS CHARGESS AND MORE CHARGESS”

Written on: 17/12/2014 by erhnaks (4 reviews written)

I have been with them over 2 years now and I am a gold customer. I have found that any I pay on paypal they are charging me £3 cash advance. I called them and they said its cash payment so there is a £3 charge. They are cheating as soon as they see paypal logo on payment. Beware and always check your statement to spot extra charges they put on/… Read Full Review

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★☆☆☆☆

“No increase in limits”

Written on: 13/12/2014 by ConradMueller451 (1 review written)

Hi, been a customer of Vanquis bank since March and haven't seen a limit increase. Account has been paid on time each month by direct debit since opening. My credit file isn't that bad im just not on the electoral role. If your looking for a card that grows with you and provides limit increases maybe this card isn't the best to choose.. I have applied for other credit cards and have been accepted with greater credit limits so this account will be closed down… Read Full Review

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Ajones32's Comment

Written on: 22/12/2014

I would agree about the credit limit. Ive had the black diamond visa for 14 months now and only had one increase, from £250 upto £1000. I find aqua really good. Been with them the same amount of time and started at £250 and im now upto £1800, plus aqua reduce your interest rate every year. Luckily now 14 months on im starting to get accepted for main stream credit cards with 24 months interest free

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★★★★☆

“Vanquis is extremely good but only 3 drawbacks. ”

Written on: 23/11/2014 by WasimAkfam (3 reviews written)

Well everything has drawbacks and nothing can be so perfect. I had this card basically to kick start my wrecked credit file. 12 months prior to having excellent ratings on files. Got £40 cash back at TCB and this card with £500 limit after a phone call at start of application. Had no credit increases in 12 months but in 15th month I had £1k increase to gold service. Always paid back in full via direct debit but with debit card payments made apparently for minimum amounts to avoid… Read Full Review

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Wasimakfam's Response to WasimAkfam's Review

Written on: 23/11/2014

Other drawbacks were that it does not have mobile friendly apps and has no call centre service for out of hours emergency contact for security measures.
Website debit card pay has pop up page that my device permanently blocks it so I have used phone calls to pay off balances if required.
EVanquis is a good page saves them postage and paper.

I gave 1 star less because shopping around for car insurance does not come cheap as I had taken cover at multiple insurers to shop around for cheaper ones that meant my savings were on ransom demand and I was out of pocket. That's where Vanquis should have helped but never mind sometimes good family member are literally your only survival hope when it all options are out on strikes.

You people can avoid 0871 number by dailing landline friendly numbers, just google saynoto0870 and search it.

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Jitenvaghela's Response to WasimAkfam's Review

Written on: 05/12/2014

Dear All,

Vanquis is ridiculously bad company which making people fool by putting hidden charges in their account. On the top they charge after even closer of your account naming random.

Very poor experience after being with this company for 5+ years and been a regular/genuine customer.

Not advisable at all. You can advice to your enemies ;)

Thanks,

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★★★★☆

“Very good ”

Written on: 15/11/2014 by cjnettleingham (2 reviews written)

It's a very good credit score build I have had mine for 4 months now always pay on time without any fail of doing so. It would be very nice to have a mobile site or even a mobile app to keep track of your account. Would be nice to get a credit increase hopefully soon! I would recommend this to my friends and family. I am not sure why people moan about the apr but if you pay in full or minimum payment you don't… Read Full Review

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★★★★★

“Brilliant card amazing customer service”

Written on: 31/10/2014

Such a helpful card, if used wisely! Couldn't live without it now. Got amazing customer service whilst getting the card and excellent helpful staff at the call centres, thanks guys :)… Read Full Review

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★☆☆☆☆

“Constant marketing calls”

Written on: 26/09/2014 by Gary1982 (1 review written)

While I am happy with the facility of having the card should I need it, I would not suggest getting a card from these people are they are constantly calling me (sometimes twice daily), asking me to go through security. I refuse to do so as I made clear when I got the card that I didn't want marketing phone calls - a request they appear to have ignored. If you can get one elsewhere, do so - if I didn't need the facility right now, I would terminate the account (and will do as soon as my… Read Full Review

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★★★★★

“Great For Re-Building!”

Written on: 18/09/2014 by JalenMorris (1 review written)

As a student I got into a pickle with a student credit card, overdraft, stuff on finance you get the picture... After 3 years of grafting I managed to pay off in full and clear everything that I owe... Now I work full time and have the means to get a house... mortgage? Yeah right! My credit score was PANTS - I applied for a Vanquis card, they started me off on £250, raised me to £500 then to £1000 as I watched my credit score go from very poor to good! I see a lot of complaints about… Read Full Review

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Bellabigboobs's Comment

Written on: 19/09/2014

You're screwed for 6yrs anyway. Your credit score means nothing! If you have satisfied defaults there are as bad as unpaid defaults. Living beyond your means and giving advice to others about "don't spend what you don't have" you do make me laugh coming from a person who spend beyond there means..

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Terryt1Bbs's Comment

Written on: 19/09/2014

I'd say it's pretty clear from that post that "spending beyond means" is a thing of the past.

If you don't have it, don't spend it... that's all that was said? No need to come back with a thoughtless, negative comment....

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Leeleehaha's Comment

Written on: 20/01/2015

They're are right though.... well said bella

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★☆☆☆☆

“Lies lies lies”

Written on: 16/09/2014 by Raiden412 (1 review written)

Vanquis states it will consider a credit limit increase on your 4th statement and will start to consider you increases every 4mths providing your keep other credit commitments in order and maintain your account effectively = LIES it is now nearly my 5th statement and no limit increase never missed payments make large instalments off my balance etc.... £250 limit is no good to anyone all it is doing is damaging my credit rating due to my limit-balance ratio..... Thanks Vanquis but I will be… Read Full Review

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Billyjoesaunders's Comment

Written on: 17/09/2014

It doesn't say in any of there literature you will get a credit limit increase every four month. To be honest I wouldn't give anybody credit if they have screwed up there credit in the passed. Wait another month then if it hasn't been increased close the account. Unless you're so desperate for a vanquis credit card in your wallet/purse

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★☆☆☆☆

“not happy”

Written on: 15/09/2014 by Ramsey65 (1 review written)

Interest charge to much. They dont care about customers only there money… Read Full Review

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★☆☆☆☆

“Disorganised company”

Written on: 14/09/2014

When I first set up my vanquish card I told then I wanted to pay in full by direct debit every month , I make sure the moneys in my account to pay in full every time , the first time my payment was due I assumed I payed by direct debit as that's what I arranged then I get a letter saying I have a late charge of 12 pounds so I rang them up and they said I hadn't set up direct debit which I had when first purchased the card (well was meant to have ) they apologised admitted it was there fault… Read Full Review

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★★★★★

“Solid helpful credit.”

Written on: 13/09/2014

I have a low credit rating but was still granted a Vanquis Credit card which I am very grateful for (ever tried paying for a hotel room with a debit card?) Every bank has the right to set their terms withing legal boundaries. Vanquis interest seems very reasonable to me. I paid just about £10 on a balance of about £500. People get confused about the BILLED DEFERRED FINANCE CHARGE, but I telephoned and it is very simple!! You can avoid this charge simply by not using your credit card for the 5… Read Full Review

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★★☆☆☆

“Customer Service is non existent”

Written on: 05/09/2014 by 217Douglas (1 review written)

Although this company are genuine they do charge high interest rates. They have no idea of the concept of customer service and appear to have very little means of doing anything other than processing payments. I broke my card some 5 months ago and despite several requests for a new one its now 5 months later and no fewer than 16 attempts/calls I still have not been allowed a new one. They will give all sorts of reasons and promises but no cards ever arrives. They have severe training needs and… Read Full Review

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★☆☆☆☆

“Absolutely dreadful customer service ”

Written on: 23/08/2014 by 264Lee (1 review written)

I sent in my bank statements as requested by vanquis on the 29th July 2014 recorded delivery, it's now 21st August and 15 phone calls later and although it's been signed for they say they have not revived it?? And now after the 16th phone call to This 0871 they say to resend my documents to the fraud dept at the same address I sent my documents to previously?? Erm don't think so I'v cut the card up and sent it back to this dodgy company, complete waste of my time and my phone bills.... Avoid… Read Full Review

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★☆☆☆☆

“Not Impressed, excessive Interest rates and charges!”

Written on: 18/08/2014 by Simon26874 (1 review written)

Customer Service rubbish as they don't respond to queries. Add penalty charges whenever they can. Not impressed!!… Read Full Review

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Magikmaxie's Response to Simon26874's Review

Written on: 16/01/2015

They text to say you've got X amount to spend, but don't remind you that they're going to take a load of interest out of it, then you end up in a worse overdrawn state than you thought. Anyone thinking of getting this card to help with their credit history, don't, they ruin it.

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★☆☆☆☆

“THE ARE ROBBERS SCAMMERS PLEASE AVIOD”

Written on: 12/08/2014 by Pittman86 (1 review written)

Worst experience of my life! You get charges from nowhere, no letters or statements to explain the charges until you get their phone call. Also their contact number is charged at a high rate. I used my card once for £30 and had to pay £110 in charges even when I paid back the £30 pound previously on time. I have closed my account now after having to pay of all those charges. This bank will rob your money, worst mistake I wish I never sign up for this account I very upset :(… Read Full Review

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Magikmaxie's Comment

Written on: 16/01/2015

They text to say you've got X amount to spend, but don't remind you that they're going to take a load of interest out of it, then you end up in a worse overdrawn state than you thought. Anyone thinking of getting this card to help with their credit history, don't, they ruin it.

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★☆☆☆☆

“Totally rip off bank”

Written on: 07/08/2014 by Kittrex (1 review written)

I went with this bank 2 years ago . Non stop letters Or calls Paid it off still harressment Then the cheek of the robbing pigs found. My new address and well sent an application form. Not a chance it's run by brainless monkeys. With high apr and rude customer advisors. Stick to your regular bank . Least you no your not talking to rude Asian people . F--ck them who don't understand olde English. Bad company stay clear of the robbing swines. … Read Full Review

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Thistledofurnoo's Response to Kittrex's Review

Written on: 07/08/2014

you people make me fxxking sick you weren't complaining when you where spending the money and just for the record "if you had great history with lenders you wouldn't have to go to vanquish would YOU try paying your way in life

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★☆☆☆☆

“In a word Gangsters not really helping the poor but...”

Written on: 03/07/2014 by pdb8 (1 review written)

In a word Gangsters not really helping the poor but them selves interest rate never comes down like I thought compared to other reputable companies capitalone who reward you for keeping your account in good order I went from 39% to 17% that's credit building vanquish is a rip off no better then dodgy payday loans just gone to obsman now my minimum payment was not for the 1st time estimated as 0% after again paying a large sum well over the amounnt they asked for days before come day of d/d… Read Full Review

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Thistledofurnoo's Response to pdb8's Review

Written on: 07/08/2014

you weren't saying that when you where spending their money were you " you people make me sick

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Pdb8's reply to Thistledofurnoo's Comment

Written on: 08/08/2014

Should of read what I said its in English even a 2 year would understood that or I presumed obviously I was wrong

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Rickyburnsbrother's reply to Pdb8's Comment

Written on: 19/08/2014

Your "Grammar" is appalling!

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★★★★★

“Excellent credit repairer”

Written on: 29/06/2014 by O'Neil105 (1 review written)

Where to begin? I'm just so pleased with the results. I have been a Vanquis customer for over 3 years and have been using their card for purchases to short term cash withdrawals. If I couldn't afford to pay off the balance in full, then I would pay back within three to four months at the most. My job has been stable enough to make borrowing less risky, in terms of repayments. I did the same with Capital One and now I have a 3 out of 5 overall credibility status with Onecall credit bureau. I… Read Full Review

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Asdacharlie's Comment

Written on: 05/07/2014

3/5 does not mean anything. You can still be refused credit with a score of 5/5 for example. Some people who have been bankrupt multiple defaults still have a score of 5/5 so are you saying those people will still get credit. I have a score of 1/5 with call credit and I get the best deals despite them saying that I wouldn't. I only have the noodle one because it's free. People like you pay monthly fees to see a score. I use to work for Experian,so trust me with what I am going to say. Credit companies with never take any notice of those scores as it does not show up on there systems. When CRAs credit check all that happens is it checks for negative information. If you don't have any and you carry a debt balance over every month you will get credit. If you pay your debt of every month the chances are you may be declined as you ain't making them any money. Multiple searches ,ain't to good either. Don't waste money paying CRA monthly fees.

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★★☆☆☆

“Not great ”

Written on: 27/06/2014 by xdMcNamara1990 (1 review written)

Had one of these for 8 months now applied online got a phone call next day offering initial limit of £1000. I didn't provide a landline number just my mobile. I use the card to build my credit score back up after a default with Capitol one. I use it to purchase fuel then pay the off in full or there abouts every month and on time. Still not had a credit limit increase at all but I do have around 8 numbers from vanquis blocked on my phone as they hassled me constantly trying to sell PPI… Read Full Review

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