Vanquis Bank Credit Card Reviews

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Vanquis Bank Credit Card

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Latest Reviews

★★★★☆

“Not bad ”

Written on: 30/10/2016 by Jaslenei79 (1 review written)

This card was ok to start with, now I have cut the card up and cleared the balance due to high APR rate. They consider myself as gold member but I would strongly recommend to stay away. … Read Full Review

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★☆☆☆☆

“They treat you like dirt ”

Written on: 26/08/2016 by Dino1964 (1 review written)

I applied for a card got accepted they sent me the card so I rang up to activate it then they won't me to send 3 different bit of paper work to prove who I was so I sent them in recived them back about week later with a slip of paper saying thank you I could now activate my card so rang up again and was told they hadn't work the paper work yet try in a week I have rang every week for 4 weeks today I was told to send the paper work again I told them to get lost I've had enough so the moral of… Read Full Review

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★☆☆☆☆

“1 Star too high”

Written on: 01/08/2016 by Korbin48 (1 review written)

The interest rates on this credit card are absolutely extortionate. Not only that but they are also other interest and withdrawal charges that you end up paying that Vanquis don't make very clear once that you sign up with them. Avoid at all costs… Read Full Review

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★★★★☆

“Never had a problem”

Written on: 30/07/2016

I've never had a problem with Vanquis....they have always been polite and courteous to me and have dropped the interest rate so I do not understand the negative comments posted on here?… Read Full Review

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★☆☆☆☆

“Bad credit. Worse customer service”

Written on: 28/07/2016

So I've had a card for 2 yearse now. 6 weeks ago they put a note on my account that I was bankrupt (was there mistake). 6 weeks on and over 10 phone calls I have made to them (over £20 on charges as I used my mobile) and the matter is still not sorted. I have been charged internet on an account in which I have been unable to use my card. I called dthmw on Monday and was told I would get a call back the next day (now Thursday and yet still no call). I have then called them again to be advised… Read Full Review

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★★☆☆☆

“Poor, very poor ”

Written on: 21/07/2016 by Naimah392 (1 review written)

Took out this card well over a year ago (possibly nearly 2 years now). I've never missed a payment, never went over my credit limit and regularly pay it off in full. Yet they've never offered me a credit limit increase. I've tried speaking to customer services about it, yet they rad from scripts and are unhelpful, rude and lack manners. Their interest rate is through the roof! Avoid!!!… Read Full Review

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★★★☆☆

“Bad credit ok”

Written on: 16/06/2016 by Harper190 (1 review written)

If you have a bad credit rating then Vanquis could be for you. Unfortunately Vanquis tend to lead you astray when saying it will improve your credit rating!. Been wth Vanquis for 4 years, queried a few times about reduction in 39.99% rate but still on that rate. First time I queried was advised that I pay card to quickly. Second time I had amassed payment? Really?. Third time I need to borrow bigger sums of money and today was told they, Vanquis, just change your rate when their ready so no… Read Full Review

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★☆☆☆☆

“Very rude and up proffesional”

Written on: 15/06/2016 by davijack2016 (1 review written)

I got a text message the other day saying I was entitled to a vanquis card so I rang up yesterday that the women on the phone seemed OK to start with but got rudder later on asking me a load of questions first of all it seamed normal like what your date of birth and address but then she asked about my job I was OK with that then about my mobile phone and then I was thinking is this relivent so my girlfriend got on the phone and asked why she was asking all these questions and I got back on the… Read Full Review

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Chrisjam1's Response to davijack2016's Review

Written on: 28/09/2016

Get real mate they're only checking you'll be able to make the monthly repayments. I bet if you couldn't you'd be the first to accuse them of selling you the card irresponsibly and asking for your debt to be written off.

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★☆☆☆☆

“Don't encourage them!!”

Written on: 03/06/2016 by Sydney275 (1 review written)

Very bad people, they will lend you more than you can afford, they charge extortionate rates of interest plus additional charges. They will phone continually even using local numbers to trick people into answering, they will take months to resolve an issue with every operative seemingly not knowing what has been requested/agreed previously with colleagues. It's a money making scheme that you don't want to be involved with… Read Full Review

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★☆☆☆☆

“ beware”

Written on: 26/05/2016 by Reganap181 (1 review written)

5 bills on the trot charged us extr £12 for late fee even when we payed over the top on payments contacted dizens of times and given same answer very sorry must be an admin problem even though they marked date received in statement a week before due date it's an easy way to scan people who don't check their statements blaming banks for being to slow have cancelled card now and still get letters and calls from them offering me deals I believe the company are slowing before they get caught will… Read Full Review

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★☆☆☆☆

“Please don't get a vanquis card”

Written on: 06/03/2016

Please if you want our advice do not get a vanquis credit card. We have got into financial difficulty due to no fault of our own as my husbands work hours have been reduced. They let us do a reduced payment for 6 months. But we were advised to try and get them to freeze interest after this time so we could try and reduce the balance and that's where the problem begins. The person we spoke to for hour and a half the first night seemed very helpful and we thought they had agreed to a… Read Full Review

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Louieloulou's Comment

Written on: 16/03/2016

Tell them to take you to court,oh there won't because the judge will write it off.. Give them what you can afford and ask them to freeze the interest if their refuse go to the fos. Make a note who you speak to and what time and date.

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★☆☆☆☆

“If I could give 0 stars I would - Stay away”

Written on: 23/02/2016 by brannersbb (2 reviews written)

Thei customer service is shocking. I closed my credit card 8 months ago and to date they still not have closed it completely and off my credit score. I have called them every month on the month and was assured it was taking place, eventually after eventually losing my patience and obviously cant remember my credit card number and password 8 months later (how bad of me to forget after 8 months but after giving every other single piece of information they still would not verify me). I then have… Read Full Review

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Berylbigmouth's Response to brannersbb's Review

Written on: 16/03/2016

You don't have a credit score,so get of yourself. It's a money racket scheme set up by the CRA to part with money. I use to work for experian. Go online Ro ceoemail and search for the CEO contact him and I will put my house on it,it'll be dealt with within 48hrs

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Brannersbb's reply to Berylbigmouth's Comment

Written on: 16/03/2016

Thanks, yeah I agree completely. It's all a bunch of nonsense. Was silly to open that card in the first place. After hitting the roof and making my new password.

Eventually they got the picture although the I am still receiving statements which makes my blood boil

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★★★★★

“I like it a lot”

Written on: 11/02/2016 by Www.Bounceitupwestlothian.Co.uk (1 review written)

We'll i have been using it for over 6 months on and of I can't say a bad thing about it it's like free money £500 limit atm I use and always pay back before any interest is added what more can u ask for, on top of that I don't find the call centre hard work, calling other countries can really get me angry or just a lack of skills, always friendly service… Read Full Review

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Lindaparkershopacheck's Response to Www.Bounceitupwestlothian.Co.uk's Review

Written on: 16/03/2016

All UK based,so why are you lying

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★☆☆☆☆

“Vanquis Card Misleading”

Written on: 09/01/2016 by Mills280 (1 review written)

Vanquis advertise they are good for improving credit rating but they don't. They say they assess your account and other factors every 5 months and your credit limit may rise. I earn about £40000 a year and have zero debt and own my own home. They gave me £1000 limit and experian drop my credit rating as I have this low limit. I did have defaults registered against me about 5 years ago but this must mean I will never be credit worthy again in Vanquis eyes. I have had my credit card with them… Read Full Review

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★★★☆☆

“Good and Bad”

Written on: 12/12/2015 by Jones450 (1 review written)

Great that you can get up to 55 days interest free but Bad in that they charge you full amount of interest if you do not clear balance in full. They also still take your minimum direct debit payment out even if balance has been cleared in full?… Read Full Review

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★☆☆☆☆

“Will do what ever it takes to keep you in debt,make up...”

Written on: 09/12/2015 by Izabella40 (1 review written)

Will do what ever it takes to keep you in debt,make up charges,manipulate payment dates,keep clear £100 will cost you thousands.cant believe they are getting away with this… Read Full Review

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★★★★★

“No known problems!!”

Written on: 18/11/2015 by TrinityHarper1990 (1 review written)

I have had a Vanquis credit card for about a year and a half now. I haven't had any problems with it or the customer service department as of yet! If my full balance isn't paid of at the end of the month, its not a big deal for me, I only get charged like £3.00 interest or something along those lines. I would only use the card when I know I can pay it back, my main reason for getting a credit card was to increase my credit rating. So instead of buying something from my direct debit, I used my… Read Full Review

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★★★☆☆

“free money”

Written on: 18/11/2015 by Murphy-Altio444 (1 review written)

people who borrow money always complain about paying it back this card is simple to understand it has a high interest rate because it has a high risk that people wont pay back on time now if you use it to buy petrol or anything to get you what you want then just pay the full amount back at the end of the month its great if your out and you need it urgent so it costs you nothing if you pay back on time and builds your credit history its not free money… Read Full Review

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★☆☆☆☆

“Vanquis”

Written on: 09/10/2015 by Doddbi196 (1 review written)

First of all I write this reveiw because twice in the last year I have been accepted online for Vanquis credit card , secondly I am deaf so I cannot make phone contact with Vanquis ,although Vanquis do not say this to me I get a email saying unfortunately you do not meet our criteria and we cannot issue credit to you,even though I was accepted ,I feel they discriminate. My partner explained to them tha I lip read so they could ask her questions and repeat them to me ,then I would speak the… Read Full Review

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★☆☆☆☆

“They put on extra charges then  say it's because you...”

Written on: 09/09/2015 by Xanderx169 (1 review written)

They put on extra charges then  say it's because you made the minimum payment even when you have paid more than they have asked for. They charge you 2 lots of interest and try to justify why. Should have gone with my instincts and stayed away. Will build my credit score some other way. STAY AWAY FROM THESE PEOPLE!!!… Read Full Review

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