Vanquis Bank Credit Card Reviews

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★★☆☆☆
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Vanquis Bank Credit Card

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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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★☆☆☆☆

“Vanquis Credit Cards are Rubbing Basterd”

Written on: 01/08/2015 by Sinjilus (1 review written)

they are rubbing Basterd, they give you credit just to rubbed you and putting unfair charges, and when you set up a re payment options they still try to add charges even after you set up the repayment options, now that cant be and it is against the now to be putting unfair charges on customer, beleive it or not, even after you paying them them still calling me first things in the morning which isn,t a good idea and afternoon constantly, thats with repaying them but they still chase you with the… Read Full Review

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★☆☆☆☆

“Tried to force me into a credit card today!”

Written on: 18/06/2015 by Jules1979 (9 reviews written)

I was jumped out at by one the Vanquis sales people as I walked through a shopping mall to get some dinner. I suddenly got given both barrels of spiel about my credit rating and how I should have one of these cards to build it up! All the while she never bothered to ask me if I would want one, she just started to fill the paperwork out to try and force me in to one! I explained to her that I have never had or wanted a credit card, my credit rating is bang on perfect as far as I am aware so… Read Full Review

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★☆☆☆☆

“Tried to force me into a credit card today!”

Written on: 18/06/2015 by Jules1979 (9 reviews written)

I was jumped out at by one the Vanquis sales people as I walked through a shopping mall to get some dinner. I suddenly got given both barrels of spiel about my credit rating and how I should have one of these cards to build it up! All the while she never bothered to ask me if I would want one, she just started to fill the paperwork out to try and force me in to one! I explained to her that I have never had or wanted a credit card, my credit rating is bang on perfect as far as I am aware so… Read Full Review

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★☆☆☆☆

“Website is terrible, look out for hidden charges too”

Written on: 30/05/2015 by 491Pereira (1 review written)

Website is terrible, look out for hidden charges too… Read Full Review

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★★☆☆☆

“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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