Vanquis Bank Credit Card Reviews

Click here if this is your business
★★☆☆☆
2.2 / 5
35% of users recommend this
Click here if this is your business
  • Customer service

  • Value For Money

? Ask our helpful community of experts about this product or company
Vanquis Bank Credit Card - Ask a question now

Media Gallery for Vanquis Bank Credit Card

Vanquis Bank Credit Card

Refine your search

Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.

Latest Reviews

★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Rickyburnsbrother's reply to Pdb8's Comment

Written on: 19/08/2014

Your "Grammar" is appalling!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 3 Comments
★★★★★

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★★☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★★★☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Naff123's reply to Robsatitagain's Comment

Written on: 11/06/2014

Noone said india you idiot I was wrong about Egypt

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 6 Comments
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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 ......

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 2 Comments
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Rippedguyuk's Comment

Written on: 04/06/2014

Pay your debt then

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★★★★★

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 2 Comments
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Andreiru's Comment

Written on: 10/05/2014

DO NOT give up.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

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!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 2 Comments
★☆☆☆☆

“Awful company the loansharks of the credit card world”

Written on: 19/04/2014 by greggers224 (3 reviews written)

Awful vile company. After having the card for a year they decided to hike my apr up for 39.9 to eye watering 59.9%!! Their so called customer service staff are a joke, rude unhelpful and sound like they couldnt care less when you speak to them on the phone. I ended up cancelling mine. Just been accepted for a Luma card who seem much more efficient and helpful than these robbing gypsies. Avoid Vanquis like the plague!!… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Avoid vanquis like the plague”

Written on: 16/04/2014 by S.Brack (1 review written)

I must have completed something not knowing regarding the above company and now receive phone calls constantly from them. I have instructed them to stop but there obviously deaf and pin stupid because they don't listen… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★★★★★

“Second chance”

Written on: 13/04/2014 by StacyMcCracken (1 review written)

I spent years chasing my tail with debt and only now I'm in my 40s I'm getting on my feet. I was delighted to be accepted by Vanquis and started on £500 limit 2 years ago I'm now on £3500 ( I didn't know it went up so high). The interest is high but I've always stayed in my limit and paid on time and have been rewarded by Vanquis with constant credit increases. Vanquis is a good company to get a second chance with as long as you can trust yourself to be sensible if not you get whet you deserve… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Bigchesteddawn's Comment

Written on: 14/04/2014

I use to work for vanquis! They're rubbish! To be honest the card is capped at £3k so I'm somewhat surprised it been any higher..

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Jazchaz's Comment

Written on: 28/04/2014

My grandad is terminally unwell , he couldn't afford the card and he was on his limit of 3000 for a long time we called to explain that he couldn't aford the payments, they wanted near 160 a month he 84 and has a life expectancy of 2-4 years at best , we said could we just pay 45 per month so they get something back, the delightful person said if we send proof of diagnosis theyd most likely wipe it off, we sent it in with a letter in January 2014 , were still waiting haven't paid and there just threatening collections and adding interest and charges per month nearing 200 . What can we do ?

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Petertheravbitofit's Comment

Written on: 04/05/2014

Sorry to hear of your grandads illness,simply don't pay it and report them to the FSA

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 3 Comments
★★★★★

“No Problems here.”

Written on: 10/04/2014 by zjBarrett384 (1 review written)

I have had a Vanquis card for only 3 months.. Every month I spend about £120 and pay it off the day after the statement is produced. This month I paid my balance off in full and had to spend £20 on the card. Because the balance on line had not updated it let me also make that £20 payment too! I am at this current time on a £250 limit and £1.70 in credit. Apart from initial call they have not called me and I have not needed to call them. I am on 3.9% APR per month which is also on the… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Davidplattcorriest's Comment

Written on: 14/04/2014

£1.70 in credit? Surprised the account hasn't been blocked! Mine was 11p in credit and account was blocked...

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“Avoid if you can”

Written on: 15/03/2014 by Jaychez (8 reviews written)

If you have another option don't use Vanquis, if you do use them avoid their Repayment Option Plan as its PPI in another form. Customer service is very poor, you will get through to them, but they are quite rude and argumentative. The card does what it says but at a cost of high APR. Be sure to check your statement every month!!!!… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“DONT WASTTE YOUR TIME”

Written on: 21/02/2014

If you are reading this you are probably in need of quick cash and have bad credit . This is not the option , it takes nearly a month to even get access to the card , thats right a month . Customer service is met by the upmost arrogance , and , they do not care as they know that you need them , they dont need you . PLEASE PLEASE DO NOT USE . YOU WILL BE DISSAPOINTED… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“burn them”

Written on: 11/02/2014 by robertbayne (1 review written)

applied for a card got rejected so forgot about it but they dont forget constant phone calls they 2 ringed me this morning at 8.30 a think i might need to hunt down the ceos personal number n harass him… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
overview