Vanquis Bank Credit Card Reviews

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★★☆☆☆
2.2 / 5
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Vanquis Bank Credit Card

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★☆☆☆☆

“Extreme Danger!!!”

Written on: 16/05/2013 by nickski (1 review written)

A number of people, including myself, have taken out Vanquis cards and set up Direct Debits to pay. Vanquis then fail to take those Direct Debits and charge you late payment fees, over limit fees and any other fee they can think of. This happened on my first scheduled payment. In response Vanquis usually appear to say that no DD was set up, despite reassurance that it was set up when the card was taken out. Currently I have a DD set up by Vanquis from my bank. It is on my list of DD's, the… Read Full Review

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★★★★★

“Works for me”

Written on: 15/05/2013 by RobTu (1 review written)

After becoming bankrupt I had to wait a year to get a bank account with DD function. Vanquis took me on for a credit card and I get a txt from them each month telling me to pay. I call the (free from a landline) number and pay the balance of, which is often less than I owe due to the credit period. In 2 years with Vanquis I have paid no interest whatsoever, and no call costs. My credit limit has increased, as I would hope, but I spend within my means so all is good. If people are just bad… Read Full Review

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Dantheman3's Response to RobTu's Review

Written on: 22/05/2013

thank you, im like you but nobody listens to me and think i work for them because i praise them ,i pay with my debit card on there website,dont bother with dd its to confusing,like you i get a text,but always check my balance on web as it gives a full readout of what you have to pay,simples

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Lucylovesbags's Response to RobTu's Review

Written on: 13/08/2013

I had to laugh at your comment! Somebody who went bankrupt and you have the nerve to say what you've said is a complete JOKE!!!!!

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Robtu's reply to Lucylovesbags's Comment

Written on: 14/08/2013

My bankruptcy had nothing to do with my spending habits, but thanks for that.

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★☆☆☆☆

“Use this and they'll screw you!”

Written on: 14/05/2013 by Goateed (1 review written)

Paid off the bulk of the card after HEAVY interest, now paying interest on top of the interest. They claim they'll help you, but they don't. Staff aren't allowed a Vanquis card, I wonder why... Took 6 days to clear my transfer, then added interest when it had been paid. Complete rip-off, don't ever use them… Read Full Review

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Iaintw2's Response to Goateed's Review

Written on: 14/05/2013

yes it certaining a rip off

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Robtu's Response to Goateed's Review

Written on: 15/05/2013

Your inability to understand how to use a credit card is not the fault of the person giving you the card.
Read the terms and conditions.

If you pay interest on a credit card it is the fault of only one person.

You.

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★★★★★

“credit increase”

Written on: 13/05/2013

Been with them for 7 months and not had a increase yet. Started with a 500 limit. Ive got about 230 debt on it and highest debt on it was 420. Pay more than min payment off. When will i get an increase credit limit… Read Full Review

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Dantheman3's Comment

Written on: 01/06/2013

i know what you mean i have been with them since march 2012 and had only 1 increase from 150 to 550 , and nothing since hoping they review shortly tbh not sure how they work out when your due for one

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★☆☆☆☆

“Useless.”

Written on: 10/05/2013

I've had nothing but problems with this company. If it's not their utterly pathetic website, it's their utterly pathetic phone service. It would help if their staff, would stop just for a minute or two, trying to sell what is essentially PPI (under a different name) to listen to a word you have to say. Every person I have spoken to on the phone is incredibly impatient and patronising. I really wish I had never bothered. DO NOT USE VANQUIS. … Read Full Review

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★★★★★

“Excellent - just pay it off in full every month”

Written on: 07/05/2013 by RichPrice65 (2 reviews written)

My credit rating was really poor so I applied for a Vanquis card as the first step in rebuilding my credit rating. I got the card in March 2010 with a £250 credit limit. I set up a direct debit to pay off the account balance in full every month. Since then they've given me a Gold Card and increased the credit limit to £3,000 and reduced the interest rate by 5%. In the past three years I've had no problem with them at all and apart from a couple of times when I've had cash advances I haven't… Read Full Review

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Dantheman3's Response to RichPrice65's Review

Written on: 08/05/2013

well done im pleased for you, i hope i can do the same,had the card over a year started at 150 raised to 550 at christmas,have not had a raise since though, i dont clear my balance often but pay at least 130 a month off when min payment is 30,hoping to get a gold card one day,never missed a payment or been late with one,when i rang them the other week they said they dont give gold cards to granite card holders which is what i am,so not sure whats gonna happen,

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★☆☆☆☆

“Do not use”

Written on: 26/04/2013

The way they charge their interest is confusing and split into two parts. They also charge in arrears unlike most other card companies so you end up paying more interest. I would not recommend to anyone… Read Full Review

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Dantheman3's Comment

Written on: 28/04/2013

so why did you have one if you knew all this ?if you keep paying more than min payment you dont really notice intrest tbh

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★★★☆☆

“Fraud was sorted.. slowly”

Written on: 25/04/2013 by Manitee (1 review written)

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… Read Full Review

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★☆☆☆☆

“Don't care about their customers!”

Written on: 23/04/2013

I've had a Vanquis credit card for a few years now. I got it initaially to help repair my credit rating after I messed up when I was younger. Although I have managed to achieve this, it has not been easy at all. Vanquis don't care about their customers wwhatsoever. They will do anything they can to get money from you, charge you high interest rates, increase your credit limit when you don't want it, charge late payment fees when your paayment was not late. Several times I have had to contact… Read Full Review

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Kellyisalegandandsheknowsit's Comment

Written on: 06/06/2014

No you don't have to stay with them to build up your score! Contact the credit reference agencies and ask for a notice of correction to be applied for example " I was late making a payment on ( input the date) due to been in hospital giving birth) that should help. Kick them to the curb

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★☆☆☆☆

“Harassed for late payment”

Written on: 19/04/2013

When you see the words "late payment" you could think I brought it upon myself BUT I explained the situation to Vanquis beforehand: On the day the payment should have been made, I telephoned and explained I would make a payment when my student finance arrives within the next two weeks. Starting a week later, I was harassed for payment several times a day by text, email and phone calls (which was far too excessive). I don't normally answer phone numbers I do not recognise but I eventually… Read Full Review

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Dantheman3's Comment

Written on: 28/04/2013

im pretty sure you knew this would happen though,not being funny

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★☆☆☆☆

“rip off company”

Written on: 25/03/2013

we have paid vanquis card four times over and they keep charging charges with me losing my job we went to the finacial ombusment they get paid £500 a case to defend the bank do not use them… Read Full Review

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Dantheman3's Comment

Written on: 31/03/2013

never had a problem with them,they have been very good to me,and i act very responsible with the card

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Vespa1969's Comment

Written on: 18/05/2013

dan your reviews are false

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Dantheman3's Comment

Written on: 19/05/2013

they are not i work for g4s not vanquis , depends whether your a mong with money or sensible tbh

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Vespa1969's Comment

Written on: 20/05/2013

then it really does not fit that you would make so many comments on other's comments on such a matter

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Emmab3382's Comment

Written on: 24/07/2013

Hes commenting because hes probably annoyed (as am I) by the slating of vanquis. If people ran their account properly ie stay within the limit and pay on time then they would have no problem at all. Iv had my card for six months and have had my limit increased to £1000 but never go above £500 because Iv learnt from my mistakes and will not borrow more than I can afford to pay back..its just common sense really unfortunately its the one thing alot of these reviewers lack.

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Dantheman3's Comment

Written on: 24/07/2013

well said,run your account ok and no problems,be an idiot and you pay the price

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Vespa1969's Comment

Written on: 30/07/2013

If you both read my own review of my vanquis experience you would know that I did/do run my vanquis account perfectly . . . . they acted wrongly by charging various fees incorrectly to my account: 1 type not even listed on any vanquis literature, and a furhter 2 incorrect charged which triggered 2 more different still types of charges . . . . . . the compensation that I received from the banking ombudsman proved me correct . . . . many many letters of compliant and phone calls to vanquis carried on for 18 months + but it was absolutely no use trying to get them to correct the situation . . . . . nothing was done until I took my case to the ombudsman . .... try not using the word mong to maker your case . . .they conduct their business in the wrong manner because across the country this makes money for vanquis !

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Vespa1969's Comment

Written on: 30/07/2013

same here . . . many incorrect charges that triggered more chares. . . . see my comment below . . . . I had to go to ombudsman in order to get them to stop . . . . dozens of phone calls and letters over 18+ months and absolutely no action by vanquis to correct their mistakes

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★☆☆☆☆

“Watch what you're doing with these ”

Written on: 23/03/2013

I am new to this vanquis having £100 from them? i read the complaints on line and i read something that they sell your information to other company's and when i hang up on the phone to them 10 minutes later i had a phone call but i missed it, it was 01422 and it was halifax in manchester.. can they really sell your information to third party company's i could get these compay's done for millions… Read Full Review

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Podgy231's Comment

Written on: 25/03/2013

i got in to difficultly when i lost my job we have paid vanquis card four times over and they still want £246 to clear the account my adivice dont go near them they dont care just another bank that rips the customer off

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Dantheman3's Comment

Written on: 29/03/2013

can honestly say,never had a problem from vanquis

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Vespa1969's Comment

Written on: 18/05/2013

dan why do you make the same sentiment in your comments to so many real comments?

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★☆☆☆☆

“Absolute rubbish DON'T USE them...”

Written on: 19/02/2013

I took took a card out when in a tight money situation, they gave me £1000 linit straight away.... I too noticed 'defferd payment' on my statement adding yet more 'interest' I actualy wrote pn nmore than one occasion, they didnt reply to either letter. I had to ophone them to make a payment (due to Xmas holidays) didnt want the £12 late fee, I rang the 0871x number, took them ages to answer, the girl I spoke too toojk details, then said hang on' I waited and waited, eventually I hung up, it… Read Full Review

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Dantheman3's Comment

Written on: 19/02/2013

i totally disagree with you on this,iv had my card since march 2012 and never had any problems,did you not pay online its the easiest way,and you can ring them on a normal number just google no to 0870 and type company name in and it gives you normal number,they asked me if i wanted a payment holiday plan and i said no,i have never had any issues at all,my credit limit was £150 now its £550,and to be honest i cant fault them,

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Intercityboi's Comment

Written on: 21/02/2013

You seem to make an awful lot of comments defending them and, as I have said previous, you won't be defending them if you ever fall in to any kind of financial difficulty with them. Just saying!

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Dantheman3's Comment

Written on: 21/02/2013

well not seen any bad side to them to be honest,im not doubting what you say,and i agree if i was in finachial difficulty they prob would hound me,but my honest opinion is i think they are good for me ,

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Steviebeee's Comment

Written on: 21/03/2013

The biggest prob;lem with this company is that hound people that dont even have a credit card or a credit card with them.. I had never heard of them until I started getting bombarded with texts demanding payment for a card (that is not a card I own) ending 4525 and to reply with my 3 digit security number. .. Yeah Right!! No point phoning them as most of their numbers are not working or high premium rate.. whoever heard of a bank/credit card number using a premium number with such a high rate!! And checking on them I see their rates are ridiculous. .. They certainly are not helping people in trouble.. just helping theirselves.

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Pipster1234's Comment

Written on: 17/09/2013

Agree, probably works for them!

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★☆☆☆☆

“Just say no”

Written on: 15/02/2013

Don't ever make a late payment then they will start making up telephone numbers for payments… Read Full Review

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Dantheman3's Comment

Written on: 15/02/2013

im sure if you were responsible with the card , you would never make a late payment tbh

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Vespa1969's Comment

Written on: 18/05/2013

another pious comment from dan

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★☆☆☆☆

“bad experience”

Written on: 10/02/2013 by iaintw2 (1 review written)

Warning to all Vanquis bank credit card holders here is my review on the matter 1. If you paid by your debt card instead your direct debt they can steal it from yourself. They are not obey your payment instructions too. If they do it again just go into your internet banking and cancel your bank instructions from it. 2. Payment option plan is like PPL. They also miss sold ppl 3. They sell your details to third parties this is in breach of Data protection act 1998 … Read Full Review

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Dantheman3's Response to iaintw2's Review

Written on: 11/02/2013

i beg to differ on this,i pay by debit card and never had a problem,i think you was behind on payments and they took a payment on your card,am i right,?and as for payment option plans,they ring and ask you,i always said no untill i have a high limit as its not worth it for me,550pounds is not a problem to clear,as for selling details on name me a company that does not do this ,

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Iaintw2's reply to Dantheman3's Comment

Written on: 11/02/2013

hello
My payments are up to date
when you paid by the debt card insead of direct debt instructions thats why i am complaining about

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Dantheman3's reply to Iaintw2's Comment

Written on: 12/02/2013

still dont get what you mean,do you mean they take loads of money from your debit card without you knowing ????

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Vanquiscustomer's reply to Dantheman3's Comment

Written on: 13/05/2013

this dantheman3 must work for the company always respondning to reviews!

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Iaintw2's reply to Vanquiscustomer's Comment

Written on: 14/05/2013

I say yes

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Dantheman3's Response to iaintw2's Review

Written on: 14/05/2013

you having a laugh,you mess up your account thats your own doing,just saying i have no beef with vanquis thats all simpleton

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Iaintw2's reply to Dantheman3's Comment

Written on: 14/05/2013

dan,
I never fail in payments I paid them on time with direct debt/debt card/standing orders
your comments fell you are working with them

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Vespa1969's reply to Iaintw2's Comment

Written on: 18/05/2013

what is in it for you to make so many comments?

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Dantheman3's reply to Vespa1969's Comment

Written on: 20/05/2013

nothing is in it for me, but just pointing out why knock something that has done me no wrong thats all,if i had a bad time with vanquis i would be the first to broadcast it on here ok

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Vespa1969's reply to Dantheman3's Comment

Written on: 20/05/2013

yes but why point out that something, a bank of all things, has done you no wrong so many times is the pertinent question?

vanquis are somewhat of a rogue organisation . . .

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Dantheman3's reply to Vespa1969's Comment

Written on: 21/05/2013

so why be a customer of them if you hate them so much ???

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Vespa1969's reply to Dantheman3's Comment

Written on: 21/05/2013

like so many companies, utility, mobiles, you never know what they are like until you have dealings with them .

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Dantheman3's reply to Vespa1969's Comment

Written on: 22/05/2013

fair point vespa

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★★★★★

“good credit card”

Written on: 28/01/2013 by dantheman3 (2 reviews written)

i have been with vanquis for a while now,03/12 and i started on a 150 credit limit,it went up in december to 550,it is easy to use,and online is the best way to pay and access your account,i cant see how people are moaning,it gives you plenty of time to see what your min payment is,i have always paid well over min payment,never missed a payment etc,i do have to say the intrest you dont really notice tbh,the only annoying thing for me is,i wish i could get one of these gold cards,if your… Read Full Review

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Pocahontas1St's Response to dantheman3's Review

Written on: 07/03/2013

I have to agree with you, Vanquis has helped me where i am today, it did exactly what it said. I paid more than my min each month and not even noticed the interest. I now have fantastic credit rating and just been upgraded to gold card. Although i don't actually use my vanquis now as i have another card at much lower interest all thanks to vanquis. You're right if you are having trouble then maybe its not the right time for you to be taking out cards or loans if you cannot make the re-payment or struggle too. You need to be sensible in this game. Hope you receive your gold card soon mines on its way!!

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Dantheman3's reply to Pocahontas1St's Comment

Written on: 08/03/2013

thank you pocohontas well still waiting,but glad you agree with me,and im pleased it worked out well for you to

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Vespa1969's reply to Dantheman3's Comment

Written on: 18/05/2013

all 3 comments above have the distinct sickly tone of falseness

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★☆☆☆☆

“Vanquis Card? Never, ever again!”

Written on: 09/01/2013 by intercityboi (9 reviews written)

A few years ago, I received an email inviting me to apply for a Vanquis credit card. The sales pitch was good; Manageable and sensible credit limit to start off with, competitive interest rate, online servicing and friendly UK based customer service. OK, I agree that the interest rates were a little high, but I needed to repair my credit rating after being a little careless in my younger years. When the card arrived, I was given a £500 limit, which I thought was just about right. Not too big… Read Full Review

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Dantheman3's Response to intercityboi's Review

Written on: 24/01/2013

hi well not being funny,you could have refused credit limit increase,and you did spend it,i have a granite card it started on a limit of 150 and now is 550 pounds,im hoping it goes up and i can buy myself a motorcycle,and i know i can afford it,you cant blame them,they offer you the money you can always say no,i have found them very good,honest and reliable tbh,

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Intercityboi's reply to Dantheman3's Comment

Written on: 28/01/2013

Hi Dantheman3,

Thanks for your response to my review and taking the time. I respect your comments, but please let me put a few things straight. Firstly, I had no reason to refuse the credit limit increases. I was in a very good financial position at the time to accept them and service them. From when I first applied, up until receiving the increase to £1500, I had been promoted to a managerial role. It was ONLY when I split with my partner that I needed some breathing space just to get back on my feet with somewhere to live of my own, before I could revert back to paying everything as it should be.

My main gripe is that customer service appears to go out of the window, especially when you find yourself in the situation I was. I was NOT trying to escape paying and nor was I sticking my head in the sand. Natwest, BarclayCard and Capital One were all absolutely first rate in understanding the situation and went out of their way to find a solution. They did such things as temporarily freezing interest charges, wiping late payment charges and taking smaller payments for x amount of months. This was the complete opposite to the stance taken by Vanquis.

I am pleased that you have been able to obtain a Granite card and that your limit is being gradually increased. I hope you spend it wisely, but please be mindful if you get in to any financial difficulty and have to ask this company for help. The situation wasn't brought on me by being reckless with money, it was merely a relationship breakdown, which (to be fair) happens to the best of people.

Once again, thanks for your thoughts and good luck with getting your bicycle.

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★★★★★

“Great for bad credit...”

Written on: 04/01/2013 by jerrym996 (1 review written)

I think they are very good with people with bad credit they give you a change.I had bad credit they helped me out great serive and call centre in england greatttt...kEEP UP THE GOOD WORK...WELL HAPPY… Read Full Review

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Dantheman3's Response to jerrym996's Review

Written on: 24/01/2013

well happy to well done vanquis

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★★★★★

“Very good credit builder”

Written on: 25/11/2012

I have been with vanquis for a few years. I have enjoyed credit increases upto the £3000 limit. I am a gold service member and have a normal landline number to call them with an account manager. I fully understand the interest charges and that they are higher than other banks because vanquis are not afraid to lend me money as i have a very poor credit rating. I have always found the staff polite, understanding and reasonable. Whenever I have had reason to question my queries have resolved in… Read Full Review

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Dantheman3's Comment

Written on: 25/11/2012

i have been with them for 7 months now, cleared my account balance a few times, always pay way more than min payment, so i dont understand why my credit limit is stuck on 150, never missed or been late with payments, yet on there site it says if you run your account well it will get increased after the 4th month,anyone else having this problem

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Dantheman3's Comment

Written on: 26/11/2012

i take that back just had my credit limit increased to 550,

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Debb65's Comment

Written on: 30/11/2012

yes l to have had my card for nearly nine months but still have never been offered an increase always use my card and pay most of lt off..........

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Dantheman3's Comment

Written on: 30/11/2012

might be worth giving them a ring , and asking for a review debs,i was giving up hope then a letter turned up saying i will get an increase,

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Debb65's Comment

Written on: 30/11/2012

l did write to them before we want on holiday to Orlando in October......but was told they l couldnt ask for review

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Dantheman3's Comment

Written on: 30/11/2012

well you got me stumped on that then,would think they would have upped your limit by now,i would ring them personally and ask , it cant hurt

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Arthur2506's Comment

Written on: 01/12/2012

Mine went from 150 to 550 like Dans but it did take over a year! I know they don't just do reviews on request but you just gotta stick in there I think..

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Dantheman3's Comment

Written on: 03/12/2012

arthur has yours gone up from 550 yet ? just curious will i have to wait a long time for another raise, trying to buy a motorbike off the webb and need more than 550 ?

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Tommo1992's Comment

Written on: 07/12/2012

You have to use a good chunk of your credit to get an increase, so if your balance was 400, they might upgrade you. I'm on 2250 at the moment.

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Dantheman3's Comment

Written on: 10/12/2012

im just been put on 550 from 150 tom , how long does it take to get another raise ?

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Tommo1992's Comment

Written on: 10/12/2012

I think its every 3 months, I've only been with them just over a year

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Dantheman3's Comment

Written on: 10/12/2012

great sounds good,been with them nearly 8 months and need 850 to buy a motorcycle so hoping to get one soon,

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Arthur2506's Comment

Written on: 10/12/2012

Mine hasn't gone up from 550 yet. But my mum has a the card - you have to use it regularly and pay off as much as you can every month. She has been with them 3 years and she now has their gold card with a £3000 limit.

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Debb65's Comment

Written on: 11/12/2012

I'm still waiting......have been with them for months!!!

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Dantheman3's Comment

Written on: 13/12/2012

just hang in there deb,im sure it will be raised shortly,they seem a good credit card company so far

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★★☆☆☆

“Draw you in and never let you go!”

Written on: 30/10/2012

I had to get a Vanquis card after, like many others, getting in to debt at university. Due to my poor credit rating this was the only company i could get a credit card from. Every few months i have received a letter with 'congratulations' and they had upped my amount. I believe this is something that should be done in consultation with the customer! I did not spend it but you always knew it was there. My repayments of £90 a month (on a £1800 credit spent) only covered the interest and… Read Full Review

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Verygood's Comment

Written on: 31/10/2012

HI I read with interest your comments about the Vanquis card Is there any other way around getting this card repaid off! They have me in there grip and getting the cash out to repay some of the balance does seem to be the only option? Only problem is I'm up to 2000 now and paying £150.00 per month I can't afford to pay off the full amount!

Feel really stupid to have been sucked in!

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Agbdrl01's Comment

Written on: 06/11/2012

I'm sorry to hear that but why spend an amount on your credit card albeit Vaquis or any other for that matter if you cannot afford to pay back there money they are letting you spend?. I have a Vanquis card among two others and I never spend what I cannot afford to pay back in full each month. I'm sorry to say but you among many others have sucked yourself in to it.

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Fastcar6306's Comment

Written on: 05/03/2013

I balanced transfered my vanquis card the other day so wat u chattin about..:-D

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