Vanquis Bank Credit Card Reviews

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Vanquis Bank Credit Card

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Latest Reviews

★★★★★

“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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★☆☆☆☆

“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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★☆☆☆☆

“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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★☆☆☆☆

“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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★☆☆☆☆

“Worst credit card ever”

Written on: 26/06/2014 by Angied21 (1 review written)

Lost my card took 3 attempts to get A replacement and the card still did not come. You have to pay to call customer service and no one seems to no what there doing in the end cancelled the card… Read Full Review

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★★★☆☆

“Good for rebuilding Credit, Bad for Customer Services”

Written on: 09/06/2014 by naff123 (1 review written)

I took this card out after being young and stupid with money and getting into debt a few years back in a view to rebuild my credit. It's a good card as long as you pay your balance in full every month! But when you do have an issue they are very reluctant to help so these days I just tend to stick to the online e-vanquish service, as you cannot go wrong. The thing what bugs me though is that they outsource the call centre's to Egypt and South Africa. But all in all it does what it says on… Read Full Review

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Robsatitagain's Response to naff123's Review

Written on: 11/06/2014

Really since when? I worked for the company until recently. No there do not outsource to Egypt and India so stop lying

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Naff123's reply to Robsatitagain's Comment

Written on: 11/06/2014

Noone said india you idiot I was wrong about Egypt

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Madeintheuk's reply to Naff123's Comment

Written on: 12/06/2014

I think your the biggest idiot ha ha I work for vanquis and guess what! We don't have a call centre in Africa! Customer service is in Chatham and collections/recoveries are in Bradford so get your fact in order

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Naff123's reply to Madeintheuk's Comment

Written on: 12/06/2014

Looooool funny that because just Tuesday somebody in Chatham confirmed they had still a place in Johannesburg.

I worked there too so go suck a pork sword

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Andycartwright0099's reply to Naff123's Comment

Written on: 04/07/2014

I work for vanquis,since when? I'm based in bradford and never heard of us having offices in jo-berg...even on wiki there is no mention of it

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Benneedsanaudi's reply to Naff123's Comment

Written on: 05/07/2014

I work at vanquis "executive relations" I think you have been lied to. We don't have a call centre in Jo-berg. Our offices are in London,Chatham,Bradford. Inbound calls such as customer service are in Chatham. Collections are based in Bradford.Retention's and admin are in London. So I am afraid I agree with previous comments. I also find your comment strange. Everybody who is successful in gaining employment at vanquis is credit checked,so I am somewhat surprised you gained employment. Why would you ask a customer service agent if vanquis have a centre in Jo-berg,when you supposed to have work there. Very strange.

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★☆☆☆☆

“DONT USED VANQUIS BANK ”

Written on: 04/06/2014 by KatelynPratt (1 review written)

When a customer asked vanquis bank to closed our account down they should do it straight away they failed to obey the customer three times to closed it. I get ingored with them after they did not closed it down I going to present my case to vanquis action team and also the FSO. They also going to get charges from me used of the telephone calls charges against them Please do not used vanquis bank… Read Full Review

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Clairrowntry's Comment

Written on: 04/06/2014

It's no wonder there is a delay with the FSO because stupid people like you complain for no reason. So vanquis won't close your account big deal,after 6 Months it's closed automatically

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Betz1's Comment

Written on: 12/08/2014

After six months closed automatically. Such rubbish. You make the rules up as you go along, or perhaps it's THE SYSTEM!

Hadn't used my card in two years. Applied for a new one and had to go through usual address, security etc., got a new card delivered fairly quickly but because I didn't use the card in six weeks THEY decided to cancel it [or perhaps it was THE SYSTEM]. Pathetic explanation, just glad I got a free phone number for these ......

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★☆☆☆☆

“My Card was lost or stolen”

Written on: 28/05/2014 by jatinmiles (1 review written)

My card was stolen last year in Nov 2013 and till date they couldn't investigate properly. Now they are holding me responsible for being honest that my pin number was written in my diary. Never use their card and never give any recommendation. They assure me that card is stop and block and now no one can use the card, but guess what my limit was finish which was £3000 and they couldn't tell me for 8 days. I got a text saying i am over the limit and now its been more then 7 months they can't… Read Full Review

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★☆☆☆☆

“Harassment”

Written on: 16/05/2014 by AlanaVance (1 review written)

Vanquis would constantly call your home / mobile any how they could to get hold of you if you missed a payment. Even when agreeing not to call, they call you up to four times a day. … Read Full Review

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Rippedguyuk's Comment

Written on: 04/06/2014

Pay your debt then

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★★★★★

“second chance card”

Written on: 04/05/2014 by Milnean245 (1 review written)

just a quick review, had this card 4 years now, I'm ex bankrupt, and my limit started at £250, i used , i paid, limit increases every 4 months, high interest but people who are applying are high risk. as long as you keep within the agreement that you signed everything will be ok, if not you ruin your second chance of having a credit card, so really its all down to you. today i received a limit increase to £3500 so it does exist , I'm happy but now I'm also sensible with my cards… Read Full Review

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Snakeinthecrass's Comment

Written on: 04/05/2014

Ex bankrupt and you're sensible with your card,that's a complete joke right? Going bankrupt is an easy way of not paying your debts. People like you don't deserve a second chance. Your limit has increased to £3.5k very much doubt that,the total limit is £3k so stop lying. Before you ask my friend works for them

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Atomkins's Comment

Written on: 27/06/2014

Sorry Snake, but I find your comment very unfair.

I work in the banking industry, and there are people, due to some misfortune that end up not in the best of financial situations. Bankruptcy is not an easy route for anybody to take, and it takes many years after being declared bankrupt to regain any credit if not any at all.

I have not been in this situation, but I have many customers coming into branch who have suffered through no choice of their own. So please, until you have experienced this first hand, please do not abuse others or make fun of other peoples circumstances.

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★☆☆☆☆

“daylight robbery”

Written on: 28/04/2014 by Wentworth244 (1 review written)

Im with vanquis and owe 3000 on my cedit card but every month my payments are around 200 hundred pounds and my balance isn't goin down. I give up… Read Full Review

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Andreiru's Comment

Written on: 10/05/2014

DO NOT give up.

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Intercityboi's Comment

Written on: 17/05/2014

Unfortunately, this is how Vanquis sucker people in. I started off at £500, which was manageable, and then they increased me up to the maximum £3000. It's cleverly done as they class this as a 'reward' for being a good customer for paying on time and staying within your limit. In truth, it's just to tempt you to spend it and see your minimum payments rocket. I was paying £150 per month and seeing the balance reduce by pennies each month. Owing to a small windfall, I was lucky enough to pay them off in full (although they still stung me for a further £107 in 'cash interest' the following month). There was no greater relief than receiving the letter confirming my account was cleared and closed. They advised that I was welcome to return as a Vanquis customer. Personally, I'd rather stick pins in my eyes than return to these clowns!

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