Vanquis Bank Credit Card Reviews

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★★☆☆☆
2.3 / 5
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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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★☆☆☆☆

“Worst Credit Card Company Ever Avoid At All Costs”

Written on: 19/10/2012 by devil_tez (4 reviews written)

No only is this a bad company to be with for their high interests fraudently adding PII to your account etc. but after I paid the account of and closed it I got a statement come through with fraudulent activity I rang and asked why this happened when my account was closed and they apologised, cleared my account and closed it, 3 months later I get a text saying I haven't paid my minimum payment, I ring again and thousands of pounds had been spent on my account as they hadn't closed it or… Read Full Review

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A881E's Response to devil_tez's Review

Written on: 29/11/2012

I just had one of there sales guys ring me, i ask them how long it will take as i am at work, he said 5-10 mins then put me on hold.

Glad i put the phone down now. Im avoiding them after seeing the bad reviews. Thanks :D

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Devil_Tez's Response to devil_tez's Review

Written on: 21/03/2013

As an update to this, 5 months later they still haven't closed my account or sorted out the activity, as a result of this I now have a bad credit history and have had my other credit cards drop my limits because of the marks vanquis have put against my name.

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★☆☆☆☆

“Loan Sharks RIPOFF”

Written on: 18/10/2012

They sell your details to third parties who are then able to charge you for all kinds of un-needed "services " such as PPI, ID Protection (all at premium rates) and even charge £59 (how often??) for a Voucher Club where "exclusive" deals and Money off promotions are provided. I asked for all these things to be removed to which the lady replied she couldn't do that as it was a third party (I suspect they are related) that has "permission" to charge the account on a monthly basis.. Useless and… Read Full Review

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A881E's Comment

Written on: 29/11/2012

So this explains who sent my details to dodgy companies after ticking a box to say do not pass my details on.

Glad i declined there card now.

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★★★★★

“Great to improve credit rating!”

Written on: 10/10/2012 by jimbo1358 (1 review written)

Firstly, they are for irresponsible spenders like me, and everyone else that has written a review, i suspect that all the negative ones are silly people spent to the credit limit then complain that it is a high APR even though you signed a contract agreeing to this! Dont over spend with this credit card! It is to help you manage your debt to help you get a good credit rating again! I have had this card for years after getting into some debt when i was younger, i paid it all off eventually but… Read Full Review

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Duke0485's Response to jimbo1358's Review

Written on: 08/01/2013

If it is there to help you manage your debt, why do they so vaguely add on extras and interest after minimum payments have been made to send you over your limit. What other credit card will take a minimum payment then aply the interest weeks later and mostly at irregular times so you do not knw when it is coming out.

They give you these cards because most people that have them are in a vulnerable position. They take advantage of this and hammer you further into the ground by pretending to be responsible lenders. They are far from this. Their tactic is to financially punish the already financially unstable customers as much as they can.

Their charges are never clear and their customer service is appalling, even they do no understand the way in which interest is applied half the time so how are they meant to advise their customers.

It makes me wonder who these people are that make these exciting reviews because they have kept their CC in good order. A credit liit should stop you going over your limit but vanquis repeatedly add the "interest" at a later date that is never consistent as they want to charge you their fees.

No ifs or buts it is as clear as day.

Modern day pirates with legal government to back them.

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★★★★★

“Just to let you guys know”

Written on: 05/10/2012

Vanquis are known to help those that need to build up their credit rating. If you want to build your credit rating, brilliant. They offer you sensible money to start with and if they see you can manage your money well they will offer you a limit increase- and you can always turn it down! If you don't know how to manage your money- don't bother even thinking about getting a credit card, you will end up in more debt!… Read Full Review

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★☆☆☆☆

“LYING CHEATS”

Written on: 15/09/2012 by pipster1234 (8 reviews written)

firstly to all out THERE, you can call them on a free phone number 08007816314, it WORKS. secondly they are as i say in the TITLE. the interest rates seem to alter at a whim and they add this stupid deffered payment charge saying IT'S the same as interest and the 2 amount add up to what the interest should BE, again RUBBISH, they say IT'S due to a recent technical problem but it has been going on since 2002 as far as i can SEE. the staff are rude and UNEDUCATED, in fact i think i spoke to… Read Full Review

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★☆☆☆☆

“@@ SERIOUS WARNING THEY SELL UR DETAILS TO DEBT...”

Written on: 14/09/2012 by BIGANDY00 (2 reviews written)

Vanquis Visa/MasterCard are a company that offer very little customer satisfaction! they are ONLY contactable via phone to which they charge 10p per minute! this is terrible customer service to offer? IF you are a reputable company you should always offer an email/phone and NOT just a phone number forcing people to pay a premium rate where they gain a percentage of every call made! I changed address with them and they asked for x2 utility letters from my new address and a signed letter stating… Read Full Review

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★☆☆☆☆

“Avoid this Company!”

Written on: 30/08/2012

My son applied to Vanquis two weeks ago and then changed his mind, this does not stop them ringing at least twice a day. I picked the phone up to them today and said, 'please stop ringing, my son is no longer interested'. To which the guy on the other end replied 'I will take that from him, not you'! I then replied, 'no you will not, you will take it from me and you will stop harrassing us' and put the phone down. He was extremely rude and abrupt. I would not go near this company… Read Full Review

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★☆☆☆☆

“rudest, unhelpfull company i have ever come across”

Written on: 29/08/2012 by fedupannie (1 review written)

Five years ago vanquis contacted me and offered me a credit card with a limit of £250, which i happily took up, i paid minimum payments, and every month seemed to have roughly the same £250 balance on my card.A few months ago they sent me a letter in big print saying congratulations , we have increased your credit limit to £1,000, and being unemployed due to illness, i felt as long as i was sensible i would be able to manage.2 months later i got another big print letter , once again saying… Read Full Review

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Themoog's Response to fedupannie's Review

Written on: 09/09/2012

Personally I do not understand your gripe here. I would tend to agree with Vanquis and suggest that when your increase was given that you should have been honest with them and phoned to say I'm sorry but I am unemployed. You then spent on the card knowing that there was very little chance you would be able to pay them back or you would put yourself under far too much pressure to keep up repayments. Unfortunately, you made a choice to spend what you did not have just as most people (including myself) do.

On the other hand I agree with the interest on these cards being very high, I have been a Vanquis customer for 4 years now and have a credit limit of £1000. On two occasions I miscalculated the interest and ended up going over the limit just days after making a payment, so here's the solution. When you make your monthly payment, make one a little higher than the minimum and don't spend on the card again for at least a week as this will give a more accurate reflection of your available balance.

Lastly, I have also found that the person you speak to on the other end very much determines the result of the call, some are straight down the line "you knew what you were doing so tough" people, while others can be more sympathetic and depending on your own attitude to them as individuals you can get charges reversed or discounted.



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Fedupannie's reply to Themoog's Comment

Written on: 18/09/2013

just to add, the ombudsman ruled that they had to pay me compensation.They were aware that i was on benefits, and when someone is desperate, and a solution is put under their noses,its obvious that you are going to take that soluton.Its totally irresponsible lending.

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★☆☆☆☆

“irresponsible lenders!”

Written on: 28/08/2012 by lynneh001 (1 review written)

I admit I had a bad credit history but had managed to sort my finances out and owed nothing. Vanquis then contacted me to apply for their credit card, saying this would help to improve my credit rating. Started off with small credit limit, and I managed to pay this every single month for a few months. They then increased the limit, without asking first. They obviously deal with people like myself, who have not been able to manage money in the first place, and so by increasing the credit… Read Full Review

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★☆☆☆☆

“customer service is terrible. i put in a complaint and...”

Written on: 28/08/2012 by dannyboy1984 (1 review written)

customer service is terrible. i put in a complaint and got given the number 08447704379 to ring the complains dept. i have spent hours ringing them and never get through. after about a minute an automated message comes on saying please leave a message but they NEVER get back to you. i got told 2 weeks ago my complaint was next in the que..... still waiting after 2 weeks. who works in complaints? monkeys??? i have decided to go to trading standards about vanquis and i suggest everyone else does… Read Full Review

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★☆☆☆☆

“Awful people”

Written on: 20/08/2012 by Ann302010 (3 reviews written)

Having fallen in to money issues due to a break up, I contacted them to ask for help, I got none..my then 1100 bill is now 1900 with interest...I had to default several times to get them to agree to what I could afford to pay back...worst credit card company ever...attitude of staff disgusting..and interest rates is too high avoid at all costs...u pay back way too much and when u need help u get a slap in the face Pay cash for everything getting any sort of finace was the biggest mistake of my… Read Full Review

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Dannyboy1984's Response to Ann302010's Review

Written on: 28/08/2012

having trouble myself with them, their customer service is disgusting and when you put a complaintin and ring the complaints dept they never answer the phone or even put you in a que. for anyone who wants it complaints dept phone number is 08447704379

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