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.

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.

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?

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

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 the tin as long as your sensible you cannot go wrong.

I have spent 220 pound took out minimum payments so how much will I pay back next month?

I have loved my vanquis card until TODAY. I pay the minimum amount every month and check my balance almost weekly. At the beginning of last week I checked my balance, I spent half of what was available. I rang and checked it this morning to find that the interest had taken me over my credit limit so I rang straight away to make the necessary payment. I was due a credit increase on the 27th of this month which I was relying on to see me over the festive period. I asked them if going over my credit limit (although not by spending and I MUST add that I was only over for 2 days) would affect my increase? I was shocked and sickened to find that my increase has automatically been cancelled. Is it worth my while ringing the relevant department on Monday?

Looking at some of the reviews it is clear that a vast majority of people have misunderstood what vanquis is about, yes the interest rates are woeful, however, this card is designed as a LAST RESORT for people with bad credit and do not want to go down the extortionate pre paid card route. PLEASE NOTE THIS CARD IS DESIGNED TO HELP YOU REBUILD YOUR CREDIT SO YOU CAN APPLY FOR A BETTER CARD WITH BETTER INTEREST RATES. If you keep to your payments then you will be fine, keep to the 250 limit and pay it off in full at the end of each month. Simple. It's a hard pill to swallow for some people out there but if you borrow money you have to pay it back! And believe me I have learnt that the hard way, other wise I would not be in the Vanquis pool.

The good points are that it is easier to get one of these cards than other credit cards if your credit isnt so good, the down side is that they advertise that this is a way to get a better credit score where i dont actually think it is, they have now offered me a gold credit card and have raised my limit 6 or so times, this is thought would mean i had a better credit rating, however they have also raised the interest rate to 54%!!!!! This would indicate a bad credit rating.........i would say that its an ok card but pay off each month or at least keep it to a minimum and only use it for emergencies.

Not a fan of the customer service; working night shifts then being woke at half 8 in the morning for a advisor with attitude on the line doesn't do well for customer relations

Just be careful when paying the monthly payment; it takes 3 days to process and ive fallen foul of late payment fee's despite paying it before the due date

Go in with your eyes open. Useful for bankrupts.

I knew what I was in to when I applied for this card, but got caught out for cash charges when loading money onto a betting website. I'm not a gambler, but I'm Spanish and was putting a small (£20) bet on Spain in the world cup (won £100 yay!). Anyway, cost me about £6 in various charges even though it was paid off straight away. I've also just had the very dubious 'minimum finance charge' of £1.

I feel bad for anyone who gets caught out with astronomical interest and other charges, but this card is only ever going to work for you if you pay the balance off in full every month. Don't pay by Direct Debit either - manage the payments yourself and pay at least 1 week before due date. I think the person who got screwed because they were taking 2 payments in the same month will agree, so learn from their experience.

Good for what it is and helps rebuild your credit rating. I also have a CashPlus card with 'Credit Builder' which is good, but costs £5 per month. So even if the Vanquis card costs me £1 per month in the dodgy 'minimum finance charge', it's still relatively good value. Infact, I already had the CashPlus card when I got this one - the aim was purely to use it to improve my credit rating, not borrowing.

I was turned down for a Capital One card and didn't have any alternatives, but will ditch this card as soon as my rating improves.

Just my thoughts on the matter.

Have recentley received my card although i may not use it. i have a bad credit rating and have already got myself a card through Capital One. They are extremley helpful and gives me a little bit more freedom which is always nice. I have a crdit limit of 250 and the card is only going to be used for extreme circumstances and thats all i will use it for. if i was some one that wanted to get a card i would highly recommend the Capital One

This is a card for people with less than perfect credit scores. It allows people to get back on the credit ladder and improve their rating. I think it is a useful way to get a credit card but at a price. If you want credit in these circummstances, then you will always have to pay more.