Vanquis Bank Credit Card Review

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Vanquis Bank Credit Card go to www.vanquis.co.uk
2.3 stars
Average rating for this product is: 2.3 out of 5

From 4 ratings and 59 reviews

Thumb down 41% of users recommend this product

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Guest's Review of Vanquis Bank Credit Card

21st May 2009

Overall Rating

3.5 stars
  • Value for money
    1 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    2 stars

If you treat it with respect, getting a Vanquis Card could be the start of a new credit history; it was for me.

I had loads of defaults, CCJS etc from a few years back when I had left a job and had no money to pay off debts... every credit card I applied for rejected me without giving me a chance - even vanquis' supposed competitor capital one. I think the companies who just dismiss customers are the true villains because even a £50 limit at a high APR would have been perfect for me - i just needed to pay for small things which required a card (online etc). Vanquis gave me a card with £250 limit with an APR in the region of 55%. Now, many people reel back in horror when they hear that, but if you clear the balance each month the APR is immaterial because 55% of nothing is nothing. If, as some of the 'negative' reviewers have done, you leave a balance on or don't pay on time they can be troublesome.

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