Rating Summary

Detailed rating

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges
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Ease of Application

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Quick reviews (7)

11-25 of 49 reviews Show most helpful reviews first Newest first

 

Community Level 1pink-kissess

Quick review of Vanquis Credit Card

"well what can i say... i joined vanquis last year and held a PERFECT account. 2 months ago i went over my limit by £4, fair enough, i got charged which i was fully expecting, but i was away on holiday when the bill came in and didnt get back to pay it in time. so ANOTHER charge i thought. Nope, they just cancelled my card, account etc etc. and in the last few weeks, ive had no less than 400 phone calls off them harrassing me for money. Ive had to complain about them and change my number. stay well away
02.08.2007

Ciao members have rated this review on average: helpful

Community Level 1YorkshireG...

YorkshireGary

An excellent new product.

AdvantagesExcellent customer service, available to people with poor credit ratings.

DisadvantagesHigh APR.

"I have recently acquired a Vanquis Visa card and would recommend it to anyone. This card is aimed at those with a poor credit rating who may be turned down by other lenders. Obviously the increased chance of acceptance comes at a price....this being a high APR (anything from 29.9 % to 64.9%) and an annual fee of £10 for the Visa Electron Card and £19 for the Classic Visa card. Depending on your situation you may be offered one of two cards. ..." Read review
28.11.2004

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Community Level 1Gillian42

Quick review of Vanquis Credit Card

"I've had a Vanquis credit card for 6 months now. Up until last month I was paying the account off in full. I had a particularly large bill to pay and so managed to clear only half of my balance. This happened to coincide with the loss of my wallet and having to request a new card. My latest statement showed a 'balance transfer' i.e. from the original card to the new one, and I have been charged interest on the full amount of this 'transfer'. I'm awaiting the result of my complaint and fully intend to take it to the financial ombudsman if needs be. I'm sickened by the way they take advantage of people who have limited options.
04.10.2007

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Community Level 1kinetix63

kinetix63

Not bad, provided you know how to manage it!

AdvantagesGreat if you have a very poor credit history, or none at all

DisadvantagesExtremely high APR

"...some very poor reviews of Vanquis here, I actually highly reccomend them if you have no other avenues of credit. Their customer service team has always been very friendly and helpful whenever I've called them, and their telephone banking service is as good as any high street bank's. In my first month, I did actually go over my credit limit somewhat, and was 2 days late in the payment reaching them. Despite this though, they did NOT charge me anything ..." Read review
20.10.2005

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Community Level 1ashansell

ashansell

Vanquis Credit Card - Only if you must!!

Advantageseasy application, good customer service

Disadvantagesno internet banking, high interest rates and long awaited decision

"...payment history. I applied on the vanquis credit card application on their website. The application is simple enough and took about 10 minutes. Once i had submitted i was told online that all checks were done and i would be advised via email the decision. I waited a few days and still i had not received anything from them. I then received an email from vanquis with a credit agreement, It also advised that receiving a credit agreement did not mean ..." Read review
19.11.2009

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Community Level 1Merlou

Merlou

large payments

Advantagescredit for people without credit history

Disadvantagesvery vaque advice and curious loopholes

"I have had a Vanquis card for only a few months and was using it to build a credit history. I do not want to incur interest and so I pay off the balance every month. Last month I was going on holiday and decided to take the card with me for emergencies. I rang them to make sure my payment would be cleared in time and was advised that yes it would be without any problem. However, when on holiday I found I could not use the card. On return i rang them ..." Read review
21.07.2005

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Community Level 1richardorf...

richardorford

Good card but beware

AdvantagesEasy to get accepted, helpful for credit rebuild or repair.

DisadvantagesVery high APR

"As you've probably gathered, this card is for people who either have no credit history or a poor history. It's relatively easy to get accepted with this card, however, the APR is extortionately high at an average of 39.9%. I'm ashamed to admit I did have credit problems a while ago when I was a spendaholic but I've now learned from them. Provided you keep within your credit limit and make payments on time then customer services and generally ..." Read review
04.06.2008

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Community Level 2snugglepug...

snugglepug7888

Vanquis credit cards are great for rebuilding credit ratings

Advantagespeople with terrible credit ratings can still get this card

Disadvantagesthe limit will be low

"...the world's worst credit rating. Vanquis offered me a £150 limit which I wasnt very impressed with but I can see why they wouldnt want to offer me anymore until I had proven to them that I could manage it and not get into even further debt. The purpose of this card is to help people with bad credit ratings rebuild their credit AS LONG as you pay all/most of it off every month. The interest rates work out at about £10 for every £30 I spend on the ..." Read review
30.03.2011

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Community Level 5danniell

danniell

avoid at all cost

Advantagesnone

Disadvantageseverything

"this has to be the worst credit card i have ever had and there have been a few, This company decides your interest rate according to your annual house hold income, the lower your house hold income the more interest they charge you as this means that you are the most likely customers to use the card so earn them the most money. There are no interest free terms with this card and no money back scheem like with other lenders. Repayments work ..." Read review
09.05.2008

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Community Level 1Flossy_Sheep

Flossy_Sheep

Awful is all I can say!

AdvantagesEasy to get accepted

DisadvantagesPOOR CUSTOMER SERVICE, High APR

"After joining Vanquis due to a poor credit history after being a student, I first thought that they were a pretty good company. I paid my account in full each month and my credit rating quickly improved. However during my Christmas statement I decided to make the minium payment and clear the balance in January. If you decide to do the same, I'd advise you NOT TO. I paid the min amount as advised by the statement. HOWEVER, Vanquis decided that ..." Read review
15.01.2007

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Community Level 1vanquisvan...

vanquisvanquished

Vanquis Bank

AdvantagesCan' think of any

DisadvantagesToo many to mention

"...other reason I would give Vanquis a wide berth. Will be paying off my account in full this week. Goodbye Vanquis and good riddance! ..." Read review
09.02.2009

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Community Level 1Catwoman213

Catwoman213

Rebuild your Credit Rating

AdvantagesAlmost certain acceptance, good for people with poor credit history

DisadvantagesHigh APR

"Anybody who has had adverse credit ratings in the past will know how difficult it can be to obtain any credit, and especially a Visa card. I applied for this card in response to a mailshot. I received the card very shortly afterwards wtih a credit limit of £1000 and APR of 26.5%. I only intend to keep it for a short time as a means of rebuilding a decent credit rating, and tend to pay off most of the balance every month as I do not want to fall into ..." Read review
08.02.2006

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Community Level 1bojest

Quick review of Vanquis Credit Card

"I had a Vanquis card, and the insurance that went with it...... I thought. When I was injured and became registered as disabled I sent in the paperwork from the DWP whichnstated clearly that i was to be regarded as disabled "for an indefinate period". I sent in the same information three months running. Vanquis hired an "agency", "ROXBURGH" who have hounded me with silent 'phone calls, (as many as 20 in an hour), for three years. I am unable to contact Vanquis. Can anybody suggest a solution? Police appear unwilling or unable to help.
11.06.2008

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Community Level 1chaplin123

chaplin123

Vanquis Card

AdvantagesNone

DisadvantagesHigh interest and appauling, rude service

"Vanquis charge an extremely high rate of interest and offer totally appauling customer service in my opinion. I moved house and was issued a new card but then when I came to get it authorise I was told that I had to submit a proof of address.I did this and 4 weeks later still had not heard anything despite Vanquis assurances that they would write to me within a two week period.I called again in a further two weeks on their expensive 0870 number they ..." Read review
03.05.2008

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Community Level 1i_hate_pix...

Quick review of Vanquis Credit Card

"AFTER USING IT 16 MONTHS WITHOUT MISSING ANY PAYMENT, WITHOUT GOING OVERDRAWN, WITHOUT DOING ANYTHING WRONG THEY BLOCKED MY ACCOUNT WITHOUT EVEN CONTACTING ME. THEY ASKED MY PASSPORT, PAY SLIPS FROM 1 AND A HALF YEAR AGO, I SENT THESE DOCUMENTS THEY SAY THAT THEY HAVENT RECEIVED IT. ------------------------ DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11 DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11 DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11 DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11 DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11 DO NOT GET THIS CARD !!!!!!!!!!!!!!!!!!!!!!11
10.12.2007

Ciao members have rated this review on average: helpful



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