Vanquis Bank Credit Card Reviews

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Vanquis Bank Credit Card

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Latest Reviews

★★☆☆☆

“Not the best company at all...”

Written on: 21/05/2015 by thatloid (1 review written)

I have noticed that if you are good with your card and pay off every month, then they don't give you a credit increase, but if you are always on the limit and can only afford to pay the minimum, then they will bump up your credit limit quicker than a lift to the top floor.. its poor business. I have dealt with them once before and have been in that situation, I am going to leave them soon as their purchase interest and minimum payments are quite close or exceed the minimum payment of which… Read Full Review

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★☆☆☆☆

“No way to contact them with a complaint”

Written on: 19/04/2015 by Barking_Mad (2 reviews written)

This company really stinks ! I had a fraudulent transaction on my credit card last year, but I've been unable to report it because I can't find either a postal or an email address for the company. Yes, I know there is a phone-number listed, but I am unable to contact them in this way, so it seems that I just have to wave goodbye to the money that was taken from my card without my permission. I think this is a disgusting way to run a business !… Read Full Review

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★☆☆☆☆

“I have personally had really bad experience with Vanquis. ”

Written on: 19/04/2015 by ybMaloney49 (1 review written)

I have personally had really bad experience with Vanquis. Originally Vanquis wrote to me to say that I was eligible for a credit card ad 34% APR so I applied. This was pretty high but I really wanted to build a good credit score (which the card did actually help me do) to help me with any future credit applications. However, I noticed recently that the balance just doesn't seem to be budging despite paying £100 off a month. So I called up for some guidance and it turns out that out in the… Read Full Review

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★☆☆☆☆

“interest bad”

Written on: 08/04/2015 by Millercu325 (1 review written)

Can anyone tell me why the interest rate as gone up 2015… Read Full Review

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★☆☆☆☆

“Wouldn't remove my only ever charge”

Written on: 04/04/2015 by McFaddensx200 (1 review written)

I paid my balance off in full and the next day they applied a charge of £35 despite acknowledging they could see my payment. I have never had a charge before and they wouldn't remove it unlike most other banks and credit providers. The person wouldn't let me speak to the person that denied their authorization and over all I am just unhappy with their complete lack of goodwill!… Read Full Review

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★★★★★

“Vanquis Credit Card - Great for me!”

Written on: 28/03/2015 by Felix316 (1 review written)

I have seen all the negatives about these guys, all I can say about my experience is they are great. I have never missed a payment, they have increased my limit to £3.5k. I now pay my balance off in full each month and now my credit score with experian is 988. They are the same as any other credit company, they just expect to be paid on time!… Read Full Review

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Janeb202020's Comment

Written on: 26/05/2015

To give Vanquis 5 starts - you really must be in the minority. Speaking from personal experience - unlike most other credit card companies, if you pay on time or even early, but don't quite pay off the full balance one month - they sting you with 2 charges: Purchase Interest and Billed Deferred Finance Charges, which effectively equates to 120% APR!!! You speak to their Customer Service department and their explanation for this additional charge is vague to say the least. NOT A GOOD COMPANY TO DEAL WITH.

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★☆☆☆☆

“They prey on desperate people and they should be stoped”

Written on: 11/03/2015 by Lifeuk (1 review written)

What makes me laugh is that you are calling the others'' Thick '' where you have no idea about the bank. Yes, you have to pay what you take but at a cost of 43% charge on top of it. Their website says 39.9% APR . .. The leaflet said 49.9% APR Vanquis Bank is a responsible lender and we provide our customers with support, education and help in controlling their spending. We do this by being transparent about our products and pricing, and providing high levels of customer service. Vanquis Bank is… Read Full Review

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★★★★★

“Are You All Thick ”

Written on: 10/03/2015 by andy4uk (1 review written)

I have been accepted by Vanquis for a card in the last couple of days and feel I need to add to your comments even though I haven't received the card yet. I read through all your comments regarding charges and telephone harassment and I can understand why Vanquis have to charge such high rates as nobody on here seems to understand that you need to pay back what you spend. You should be saying thank you to Vanquis for risking their money loaning it to us in the first place. We have all (or most… Read Full Review

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Lifeuk's Response to andy4uk's Review

Written on: 11/03/2015

What makes me laugh is that you are calling the others'' Thick '' where you have no idea about the bank. Yes, you have to pay what you take but at a cost of 43% charge on top of it.
Their website says 39.9% APR . .. The leaflet said 49.9% APR
Vanquis Bank is a responsible lender and we provide our customers with support, education and help in controlling their spending. We do this by being transparent about our products and pricing, and providing high levels of customer service. Vanquis Bank is part of Provident Financial plc, a leading international company providing financial products to thousands of people across the world.
Vanquis Visa card is issued by Vanquis Bank Limited.

I love the bit about Educating customers and help in controlling their spending.
A Responsible Lender. If anyone has one of these cards please let me know how you sleep at night, because this to me, is extortion and they should be pulled up about it. Grrrrrrrrrr Grinds teeth in disgust . .

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Janeb202020's Response to andy4uk's Review

Written on: 26/05/2015

No, but I think there is a very strong possibility that you are!!! Very easy to deride others when you're not in possession of all the facts!!!

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Fatpat0099's Response to andy4uk's Review

Written on: 17/03/2015

Pay your debts and you wouldn't need to apply for these types of cards RANT OVER

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Janeb202020's reply to Fatpat0099's Comment

Written on: 26/05/2015

Oh if only life were so simple................Well I guess you just have to hope that you're never in a difficult financial situation due to redundancy, sickness etc.

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★☆☆☆☆

“DO NOT USE”

Written on: 05/03/2015 by Mead285 (1 review written)

I have been with vanquis for 5 years and before i knew what had happened i had my limits increased and i owed them 3000 from buying a car ect. i always payed and have never missed a payment but unfortunate only ever made minimum amount the interest they charge is like day light robbery and makes it impossible to ever pay them back they have received 6000 in interest over last 5 years and i i still owe them 2700 i have now managed to get a loan from a better company and have paid balance in full… Read Full Review

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★☆☆☆☆

“Stop e mailing me on Christmas day you sad sad so very...”

Written on: 28/02/2015

I don't want your credit card as I have better one's I receive 40 e mails from you every week stop it, including Christmas day..... I will never use your credit card ever so stop the e mails or I will report you to the financial ombudsman and the FCA for harassment… Read Full Review

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★☆☆☆☆

“Absolutely do not touch ”

Written on: 27/02/2015 by lmWoodard43 (1 review written)

Vanquis set payment dates and add charges as they please. All they want is make more money out of people… Read Full Review

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★☆☆☆☆

“DO NOT TOUCH”

Written on: 25/02/2015 by Kirkpatricksg16 (1 review written)

I had a Vanquis Visa card for quite a while and it is the worst company I have every come across they get even worse when you try to close your account, I close my account late last year and they forgot to cancel the Card Protection which meant they charged a close account money 20 days after it was cancelled, I never got a statement or notification I was still being charge until all the phone calls started, this company will harass you even if you only owe 1p on you account so far I have… Read Full Review

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★★★★★

“Gave me a chance”

Written on: 17/02/2015 by roryjames (3 reviews written)

Applied for this card whilst I was a student with no credit history, was referred for what they call an "Alpha Card" which is what they offer people whose credit score is too low for a standard vanquis visa card, All this means is my limit started at an initial 100 and i was met with an APR of 69% and a higher minimum payment to keep my account out of arrears, This account has almost been open for an entire year and my limit hasn't budged unfortunately, but since using this card my credit has… Read Full Review

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★☆☆☆☆

“Absolute Rubbish”

Written on: 03/02/2015 by dqGardner1949 (1 review written)

These people have zero customer service. I have attempted to get answers numerous times and have been spoken to like a piece of dirt. Avoid at all costs. … Read Full Review

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★☆☆☆☆

“Vanquis bank review”

Written on: 26/12/2014 by Spc1971 (1 review written)

Rubbish company providing a rubbish service. The available credit on your card does not take in to account interest that is going to be charged on your next statement. Hence I have now ended up over limit and can not get back in my limit. This is because they keep making exstortionate charges on each statement and asking for an unrealistic amount of money each month. When you call them they are rude unhelpful and don't care. Just want their money back and greedy charges. A total waste of space… Read Full Review

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Ihatevanquis's Response to Spc1971's Review

Written on: 05/01/2015

I completely agree! They take ridiculous amounta of money from you each month and when i questioned them about it they advised only £2 was clearing from my account each month!!! Everytime i ring them i end up getting angry! Turns out now... Ive cleared my card and my account is in credit BUT i now have to may £90 interest before i can close the account! Hope they enjoy their nights out with our money! Would advise anyone against this company!!!!!

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Ste1983's Response to Spc1971's Review

Written on: 23/01/2015

Like that with every credit card. Charges and interest are not included in credit limit. Bit of a daft mistake to be honest

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★☆☆☆☆

“Rubbish card”

Written on: 25/12/2014 by 120Cooper (1 review written)

After paying them to email me when I'm getting overdrawn and telling me I have X amount to spend, recfently they have just got it right so that I spend what they say, then bang a load of charges on me. So don't pay the Repayment Option Plan, it's not worth it for £150 anyway. I'm going to get it paid up and closed in the New Year, wish I'd never bothered getting one. They prey on people these days who need a bit of extra cash and it is only a bit too. When you phone to speak to someone… Read Full Review

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★☆☆☆☆

“constantly calling”

Written on: 25/12/2014 by mvWright43 (1 review written)

If you miss a payment with these they will call several times a day on several numbers, they have aquired numbers with my local area code too to try to get me to answer, I work nights and wake up often to find 3-4 missed calls from them. I have to switch my phone off so I am not woken, even after you pay the £8 they're chasing, the calls continue with countless marketing calls, awful people, awful intrusion avoid if you can… Read Full Review

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Imcallingyoufornonpaymentlol's Comment

Written on: 19/01/2015

thats your own fault! may the calls continue

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★★★☆☆

“Credit increase leaves alot to be desired”

Written on: 22/12/2014 by ajones32 (1 review written)

I have been with vanquis now for 14 months and find that only being offered one increase in that time from £250 upto £1000 quite a let down. Ive not missed any payments and pay around 30x the minimum payment if not more. On the other hand aqua card is alot better, ive been with them the same amount of time and ran my account exactly the same and they have increased every 4 months and started at £250 and im now at £1800, plus aqua also reduce your interest rate every year. I do appreciate… Read Full Review

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★★☆☆☆

“CHARGESS CHARGESS AND MORE CHARGESS”

Written on: 17/12/2014 by erhnaks (3 reviews written)

I have been with them over 2 years now and I am a gold customer. I have found that any I pay on paypal they are charging me £3 cash advance. I called them and they said its cash payment so there is a £3 charge. They are cheating as soon as they see paypal logo on payment. Beware and always check your statement to spot extra charges they put on/… Read Full Review

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★☆☆☆☆

“No increase in limits”

Written on: 13/12/2014 by ConradMueller451 (1 review written)

Hi, been a customer of Vanquis bank since March and haven't seen a limit increase. Account has been paid on time each month by direct debit since opening. My credit file isn't that bad im just not on the electoral role. If your looking for a card that grows with you and provides limit increases maybe this card isn't the best to choose.. I have applied for other credit cards and have been accepted with greater credit limits so this account will be closed down… Read Full Review

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Ajones32's Comment

Written on: 22/12/2014

I would agree about the credit limit. Ive had the black diamond visa for 14 months now and only had one increase, from £250 upto £1000. I find aqua really good. Been with them the same amount of time and started at £250 and im now upto £1800, plus aqua reduce your interest rate every year. Luckily now 14 months on im starting to get accepted for main stream credit cards with 24 months interest free

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