Quite possibly the worst customer service I've come across, sent the same message so many times, even put the key words they were asking for in brackets, the words were literally in the first email I sent, this company is a complete joke, can't even read, ridiculous.

I was struggling with my credit score and got pre-approved for a Vanquis card. Got 0% interest for the first 12 months and my credit score seemed to improve, since then they keep offering me the chance to increase my credit and windows for 0% balance transfers, but I think they do charge a monthly fee of around £9. App works well.

I got my Vanquis car almost 6 years ago, never missed a payment and never exceed my limit. For several times, I would even pay all my balance at once. I am now facing some financial problems and I called the bank to get help to negotiate my balance or at least freeze my interests until I get back to my feet. To my surprise, the bank plainly refused to help me with any plans due to the fact that I have "exceed income", which is the only income I have left for any food/medical expenses or for any emergencies. I am extremely disappointed that, the moment I need the most, I was simply left with no solution whatsoever to help me with my debts and to help me to clear my balance. I do not recommend.

Could never sign into this card, so I just cut up my card & never used. They sent me a letter saying they had closed my account. Now I get a letter saying they’ve charged me £40 on a repayment option plan & sent it to a debt agency but it was a mistake & they’ve refunded me. I had this company for less than a couple of months & they’ve ruined my credit limit & I’ve got a black mark against my name. Terrible company!!

Give this company as wide a berth as possible, their customer service is dire and they are very inflexible in terms of increasing the paltry credit limit that comes with the card. Anyone thinking of applying for a credit card from Vanquis will have to be desperate.

I’ve had my Vanquis gold card for a few years and eventually got a credit limit of £4000. Due to my husband being made redundant , we had to use our credits cards heavily for a while . When I signed up I was told that Interest rates would drop and they review accounts every few months , however my interest rates were never lowered and when I rang to question why , staff were unable to answer . I have always paid on time and never missed any payments . Interest rates are extremely high . I was paying over £150 a month sometimes just in interest alone , so if you pay just the minimum payment each month your be in debt for a very long time. I’m pleased to say I’ve now paid off my card and closed my account ! I would not recommend Vanquis at all there are plenty of others cards such as capital one they offer credit builder cards and better interest rates .

To be fair to this bank I don't have an account with them and have previously had no dealings with them. However, that doesn't excuse them from calling random members of the public to get in touch with them about debt repayments. They failed to identify me despite trying to send me multiple messages, and have failed to recognise any of their mistakes, or apologise. I wouldn't accept this behaviour from an individual, it definitely isn't acceptable of a company.

Since March this year, I have been inundated with spam/junk emails from this pathetic excuse of a time wasting company! I had never heard of vanquis bank/loans before I received the first of what turned out to be twenty-two more persistent and harassing emails from the company! I have never once applied for a loan anywhere and even if I wanted to, I most certainly wouldn't even consider using Vanquis, because their constant behaviour has been disgraceful! After feeling fed-up with the constant unwanted stream of their emails constantly cluttering my emails, I first of all sent a polite email to them asking me not to contact me again, because I am not interested in their services - something I wasn't interested at all in the first place! Earlier today, while doing some shopping in town, I was confronted with two reps from Vanquis Loans, I explained to them my experience with them and showed them my email address asking me to not contact me anymore, which their response was "they couldn't delete my email from their records, but would call the company to process this." This was only for me to see on my emails yet another bloody email from Vanquis, which I replied back to them saying that if they didn't remove my contact details from their list and kept on contacting them, that I would be reporting them, complete with the incriminating evidence, to the Financial Ombudsman! I hope with this latest act they have now finally got the message! So to sum up, Vanquis Banks/Loans are an absolute disgrace, they just harass people to the point of falling ill and companies like these need shutting down immediately and if anybody else suffers such disgusting treatment, I advise them to take similar action!

Took a long time to arrive, almost the full time allowed (11 days). Transactions are not immediately available to view and payments take days to come off your account. There are other credit building cards out there with better apps and a better way of administering your account. Will keep in the background as a "good credit record account" but wouldn't be my regular card.

I have a Vanquis card and have now got a debt management plan with them. I have to pay £33 a month and they have just added £32.05 on again in interest. Terrible customer services. They do not want to help.

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.

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 the story is don't touch them are Rubbish and they treat you like dirt

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.

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?

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 someone will call me back today but I won't hold my breath. The main issue is that as soon as my next payment is due and I don't pa( I have advised I will not be making a payment u til someone has called me back) I will be inundated will calls and and text from them. But when they make a mistake nobody seems to know who is taking responsibility for it. The manner and attitude of the staff (except 1 girl) is absolutely appalling and I doubt even they even look into the issue once you are off the phone

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!!!

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 time scale. So it's goodbye Vanquis.