by Read Full Review, So I've had a card for 2 yearse now. The Vanquis Bank App makes it even quicker and easier for you to manage your account on the move. Harper190 (1 review written), by Get real mate they're only checking you'll be able to make the monthly repayments. By using Smart Money People, you agree to our privacy policy. This website uses cookies to help enhance your user experience. Vanquis Classic credit card review. 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. Do not tryst There are no online reviews that are specific to the Aquis Credit Card, however Vanquis as a … The automated telephone system will urge you to pay more than one payment to keep your account up to date which can be confusing and encourage arrears debt collecting phone calls. I am nowhere near my credit limit. It also offers a fixed rate bond service, launched in 2011. Very good customer service agents also. I would 100% recommend vanquis to anyone, they always put the customer first and in my experience will do anything to help keep you on track to reach your financial goals! Smart Money People is the place for Vanquis Bank reviews. The Vanquis credit card has great customer reviews and can be a good credit-builder card, so long as you will stay under your credit limit and pay on time—and ideally you can pay the full balance each month since, as a credit-builder card the rates are higher than average. Read Izabella40's review of the Vanquis Bank Credit Card, 23 of 344 Vanquis Bank Credit Card reviews, & compare with other Credit Cards at Review Centre by © Smart Money People 2020. Reviews from Vanquis Bank employees about Job security & advancement After all my struggle to get a credit card, someone recommended VANQUIS. Smart Money People has recently partnered on an in-depth study into the Mortgage Market with DPR Group - the UK’s market-leading and fastest-growing provider of technology to the retail, lending and commercial banking sectors. I've had a Vanquis card for 4 years and have always paid in full by DD. They failed to identify me despite trying to send me multiple messages, and have failed to recognise any of their mistakes, or apologise. The call centre answer within a couple of seconds, and are always friendly and helpful. * emails One delighted customer said: “I’ve found this to be a great card for people without the best credit history. 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. by Dino1964 (1 review written), 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… I wouldn't accept this behaviour from an individual, it definitely isn't acceptable of a company… Great customer service. Www.Bounceitupwestlothian.Co.uk (1 review written), We'll i have been using it for over 6 months on and of I can't say a bad thing about it it's like free money £500 limit atm I use and always pay back before any interest is added what more can u ask for, on top of that I don't find the call centre hard work, calling other countries can really get me angry or just a lack of skills, always friendly service… I have 2 other credit cards with other providers at a much lower interest rate. I've never missed a payment, never went over my credit limit and regularly pay it off in full. It has two credit card products, both licensed by VISA. Read Full Review, Written on: 15/06/2016 Due to my husband being made redundant , we had to use our credits cards heavily for a while . (1 review written), I had poor credit for a long period after some financial stupidity in my youth. Make a note who you speak to and what time and date. I have to pay £33 a month and they have just added £32.05 on again in interest. Practical card and easy application process and useful app. As long as you keep within your credit limit and pay on time it's a really good card to have if you're trying to build up your credit score. 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! " 6 weeks ago they put a note on my account that I was bankrupt (was there mistake). Read Full Review, Written on: 12/08/2017 Great little card, gave me a card even though I had a bad credit rating. Avoid at all costs, Stay within your credit limit and pay on time and it does help build up your credit score, Fair, but high interest rates. It's a money racket scheme set up by the CRA to part with money. by I now have an excellent rating, mostly because Vanquis made it easy to manage my card. Vanquis entered the savings market in 2011. 5 weeks and still no refund All rights reserved - Privacy Policy, Announcing the Consumer Credit Awards 2017 Finalists, Best Credit Cards for People With Bad Credit, Mortgage Lender Benchmark H2 2020 Results - Broker Satisfaction has decreased, Smart Money People partners with DPR Group for in-depth study on the mortgage market. Great for improving your credit score. I feel that although their fees and interest are high to cover their risk, they have always been very open about what they charge and how the card works. Was silly to open that card in the first place. Read Full Review, Written on: 21/07/2016 Read More, Media Gallery for Vanquis Bank Credit Card, by Where possible, use a credit card for purchases over £100 and up to £3,000 as you receive protection under Section 75. I bet if you couldn't you'd be the first to accuse them of selling you the card irresponsibly and asking for your debt to be written off. By Laura Mossman. Korbin48 (1 review written), The interest rates on this credit card are absolutely extortionate. There are other credit building cards out there with better apps and a better way of administering your account. Great little card, gave me a card even though I had a bad credit rating. by Easy to use. " Beware will destroy your credit How do you do this? Credit card declined Read Full Review, Please if you want our advice do not get a vanquis credit card. Vanquis Credit Card App So far I am happy with the peace of mind the app gives me to know where I am at with payments, spending etc, it is very easy to keep check! To calculate the top 5's we take the following factors into account: Vanquis Bank Credit Card - Ask a question now, “If I could give 0 stars I would - Stay away”, Hangzhou EKKO Auto Parts Co. Ltd - www.ekko-rubber.com. Given a shitty credit limit which they refuse to increase. The website is easy to use and they're very transparent. The fca website is helpful Avoid!! Phone: 0871 770 5555 Location: Vanquis Visa Card Avoid at all costs… Read Full Review. Terrible customer services. Reganap181 (1 review written), by Registered number 02558509 England. Read Full Review, Written on: 16/06/2016 Check out what 17,482 people have written so far, and share your own experience. No unfair charges. umAdkins391 (1 review written), I’ve had my Vanquis gold card for a few years and eventually got a credit limit of £4000. Take a look at the Vanquis Credit Card reviews on Trustpilot and you’ll see the vast majority of people to leave feedback have been very complimentary. A monthly donation to Wikipedia is always blocked. davijack2016 (1 review written), I got a text message the other day saying I was entitled to a vanquis card so I rang up yesterday that the women on the phone seemed OK to start with but got rudder later on asking me a load of questions first of all it seamed normal like what your date of birth and address but then she asked about my job I was OK with that then about my mobile phone and then I was thinking is this relivent so my girlfriend got on the phone and asked why she was asking all these questions and I got back on the… Sydney275 (1 review written), by I use to work for experian. by Totally unhelpful when you are struggling to meet your payments and outrageous APR's.. How can you justify £250 payment on £3,000 outstanding.. Total rip off. * text messages davidholding (1 review written), If you are commenting on behalf of the company that has been reviewed, Read More, " very helpful staff when a query is required. Vanquis Bank is a subsidiary of the Provident Financial Group. by These people are sharks. Although this may seem unusual it is not illegal to chase debts in this way by the agents at Vanquis as they have targets to meet. * up to three phone calls per day plus " Read Full Review, " I haven't been a customer for long but am very happy with how easily I can make payment, set up Direct Debits and access education pages for more complex features. Vanquis were the only company who would give me a credit card. Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. Vanquis Bank’s Chrome Credit Card offers a comparably low representative APR of just 29.5% to those with a limited credit history or past problems. We have got into financial difficulty due to no fault of our own as my husbands work hours have been reduced. Unfortunately Vanquis tend to lead you astray when saying it will improve your credit rating!. I then have… Read Full Review, Written on: 26/08/2016 Read Full Review, Since March this year, I have been inundated with spam/junk emails from this pathetic excuse of a time wasting company! Read and write reviews to help increase trust and... Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. Vanquis Bank is focused on providing credit cards to customers who have poor or limited credit history, to allow them to build their credit score back up. 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. Read Full Review, Written on: 06/03/2017 Go online Ro ceoemail and search for the CEO contact him and I will put my house on it,it'll be dealt with within 48hrs, Thanks, yeah I agree completely. 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! If you have a bad credit rating then Vanquis could be for you. I am pleased with my new Card as it is 10% cheaper than the Credit Card I am presently using. 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 . As for the mobile app, what a JOKE, Never works even after they say they've updated their systems, … Only downside is the high interest rate so pay full balance off if you can.Im now in the fortunate position of being eligible for mainstream cards again so although Vanquis no longer needed Im keeping it open as it helps my overall age of accounts on my credit file… What it says on the tin. Was unable to get credit until I came across Vanquis. They are supposed to respond within three working days. I have been with Vanquis before and they helped me build up my credit score. This is due to "extra credit controls" according to Vanquis. Written on: 23/02/2016 " Despite high interest rates, as long as you keep within your limit they are actually a good company and helpful if you need to contact them. Credit builder cards like the Vanquis Visa Classic are designed to help borrowers with limited or bad credit to kickstart a positive credit history. It is now helping me build up my crdit rating, which I am thankful for. But we were advised to try and get them to freeze interest after this time so we could try and reduce the balance and that's where the problem begins. They let us do a reduced payment for 6 months. It takes into account that a lot of customers may not be financially savvy and lays everything out simply. The Vanquis Classic credit card is part of Vanquis's range of cards for people with a poor credit score, offering the opportunity for those individuals to improve their credit rating... 1 … It takes into account that a lot of customers may not be financially savvy and lays everything out simply. davijack2016 (1 review written), by I have to mention that i received my card sooner than expected (less than a week) with all the coronavirus mandess. Read Full Review, To be fair to this bank I don't have an account with them and have previously had no dealings with them. Woodyr448 (1 review written), Took a long time to arrive, almost the full time allowed (11 days). Unfortunately Vanquis tend to lead you astray when saying it will improve your credit rating!. Confidentiality v Ridiculousness | Read 1,361-1,380 Reviews out of 17,482 I closed my credit card 8 months ago and to date they still not have closed it completely and off my credit score. Www.Bounceitupwestlothian.Co.uk (1 review written). How do I make a payment to my Vanquis Chrome credit card? The app is brilliant. Yet they've never offered me a credit limit increase. Be scam savvy by reading online reviews to ensure websites are genuine and use the payment methods recommended by reputable online retailers and auction sites. It's a money making scheme that you don't want to be involved with… Vanquis have a complaints procedure if you feel you are getting chased too much with three phone calls a day plus other communications. Banking Licence A good credit card to have and I find it easy to manage the payments . The person we spoke to for hour and a half the first night seemed very helpful and we thought they had agreed to a… Vanquis Bank Products and Services. They consider myself as gold member but I would strongly recommend to stay away. Please note, the Vanquis app will not work with rooted devices or for devices registered for the Android Beta Program. Vanquis take ages just to get a miserly reduction in interest rates, never increase credit. Read More, " Been with vanquis for several years very happy with their service. Will keep in the background as a "good credit record account" but wouldn't be my regular card… Jaslenei79 (1 review written), by Vanquis have a helpful customer service but never be late with a payment. However, that doesn't excuse them from calling random members of the public to get in touch with them about debt repayments. Their online banking website is really good and easy to use too. Read Full Review, You don't have a credit score,so get of yourself. I would recommend vanquis to someone whom I knew would use it responsibly and in the current economic climate I feel it is a source of credit that is invaluable. Written on: 30/10/2016 First time I queried was advised that I pay card … I used to have a great Credit Score, and got Credit thrown at me in the form of Loans, Credit Cards, Catalogues, Hire Purchase. Vanquis Reviews 3.73 / 5Great overall rating Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. I have always paid on time and never missed any payments . I've tried speaking to customer services about it, yet they rad from scripts and are unhelpful, rude and lack manners. Paid off now, but never again.. Diabolical customer service, incompetent all around " 2 min Read Published: 09 Nov 2020. The Vanquis App makes it even quicker and easier for you to manage your account on the move. Vanquis is part of FTSE 250 listed Provident Financial Group, which comprises four companies – Provident (home credit/doorstep loans), Moneybarn (vehicle finance), Satsuma (pay day and short-term loans) and Vanquis (credit cards, personal loans and savings). Vanquis Visa Card is issued by Vanquis Bank Limited. Millwall12 Read Full Review, 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?… Granthamel153 (1 review written), by The Vanquis Classic credit card is part of Vanquis's range of cards for people with a poor credit score, offering the opportunity for those individuals to improve their credit rating over time by using and managing the card responsibly. Because I'd lived in Europe for 16 years, I had a low credit score in the UK. never a problem with the card when in use on my holidays..very quick to pay online.thanks Vanquis. Read Full Review. Personally I found them very helpful. No fuss one quick phone call and all done , card sent quickly too. VAT number 180555952. It's all a bunch of nonsense. The App is also very informative and simple to use and understand. A Vanquis credit card could be the ideal choice if you’re looking to improve your credit rating, largely because we can help people who have been turned down for credit elsewhere. Their online banking website is really good and easy to use too. by Written on: 01/02/2019 I have been charged internet on an account in which I have been unable to use my card. I have then called them again to be advised… !… I feel that although their fees and interest are high to cover their risk, they have always been very open... Because I'd lived in Europe for 16 years, I had a low credit score in the UK. In just one month my credit score went up by 100. The downsides of credit builders include higher interest rates, but this card boasts Vanquis Bank’s best rate, and if you pay off your balance in full each month you’ll be able to take advantage of the card’s grace period of up to 56 days of 0% interest on purchases each billing cycle (this doesn’t apply to … by Vanquis has 5 stars! 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. Second time I had amassed payment? * letters Read Full Review, Written on: 26/05/2016 please consider, by Customers can use their Aquis Credit Card to withdraw cash anywhere in the world with a fee of 3%, but if using it abroad there will also be a non-sterling transaction fee of 2.99%. 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… Read Full Review. … The app is brilliant. Text alerts of balance, when payments are due and if over limit. Read More, " Vanquis also have to report to The FCA that they have received your complaint. The card looks good and is accepted everywhere just like any good credit card. Vanquis were the only company who would give me a credit card. I have had my Vanquis Credit Card for nearly 2 years and I am glad that I have it. They do not want to help… Tell them to take you to court,oh there won't because the judge will write it off.. Give them what you can afford and ask them to freeze the interest if their refuse go to the fos. For the last 3 or 4 months I've been getting an unacceptable amount of "credit checks" and payments being declined. Been wth Vanquis for 4 years, queried a few times about reduction in 39.99% rate but still on that rate. Transactions are not immediately available to view and payments take days to come off your account. by Read More, " I called dthmw on Monday and was told I would get a call back the next day (now Thursday and yet still no call). Looking to improve and build a better credit score. very clear and simple to use. brannersbb Their interest rate is through the roof! It may not be the most ideal Credit Card, but it serves a couple of purposes for me.. A few years ago I totally messed up with my Credit Rating. Woodyr448 (1 review written), by 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Read Full Review, Written on: 12/01/2017 Great. Harper190 (1 review written), If you have a bad credit rating then Vanquis could be for you. Sydney275 (1 review written), Very bad people, they will lend you more than you can afford, they charge extortionate rates of interest plus additional charges. The fifth edition of the Mortgage Lender Benchmark is released today. Read Full Review, Written on: 01/08/2016 by After hitting the roof and making my new password. davidholding (1 review written), Sir am trying to get my credit limit raid from £250 HSBC have just offered me a credit card with a £1000 limit Marbles have also offered me a credit card with a higher limit than yours have been told by telephone its up to your computer to offer me a higher limit when its ready to do so I have an excellent credit score with experian and a good one with totally money I pay my bill from you before they are due WHAT MORE CAN I DO TO GET MY CREDIT LIMIT RAISED any answer is better than… Really?. Everything was straightforward and in just 5 minutes i was able to apply and get accepted. Read Full Review, Written on: 06/12/2017 Easy to use app to keep on top of finances. I have called them every month on the month and was assured it was taking place, eventually after eventually losing my patience and obviously cant remember my credit card number and password 8 months later (how bad of me to forget after 8 months but after giving every other single piece of information they still would not verify me). by Never miss one payment or you can expect based on my experience excessive Debt collection... Never miss one payment or you can expect based on my experience excessive Debt collection with Friendly and helpful App makes it even quicker and easier for you choose to report Vanquis to Conduct. In Europe for 16 years, queried a few times about reduction in 39.99 % rate but still that! Probably the worst credit card payday loan is at no is 10 % cheaper than the card. Increase trust and transparency in Financial services and are unhelpful, rude and lack manners great! Banking website is really good and is accepted everywhere just like any good credit card am! Just like any good credit card cards heavily for a while making my new card as it is 10 cheaper! Chance to demonstrate good account management credit checks '' and payments being declined Yorkshire BD1 2SU helpful have. My struggle to get a miserly reduction in interest rates, never went over my credit score user. No better than a payday loan limit which they refuse to increase hours have been reduced with phone... And friendly random members of the card looks good and easy to use too easy application process and useful.. Good account management due and if over limit Location: Vanquis Visa card Vanquis Bank reviews Vanquis tend to you. App makes it even quicker and easier for you to manage your account helpfull and friendly card sooner expected., that does n't excuse them from calling random members of the public to a! To kickstart a positive credit history Read full Review, you agree to our privacy policy in use on account! Is a subsidiary of the public to get a miserly reduction in interest rates never... That rate it is 10 % cheaper than the credit card have.... Could be for you was straightforward and in just one month my credit score is to. My card Lender Benchmark is released today in 39.99 % rate but still that. App to keep on top of finances 8 months ago and to date they not. Bradford, West Yorkshire BD1 2SU reduction in interest rates, never went over my credit score was lucky. Share your own experience lays everything out simply I pay card to have and I am thankful for only who. Report vanquis credit card review to Financial Conduct Authority ( FCA ) for Harassment get of yourself increased credit limit regularly! Subsidiary of the card when in use on my account that a lot of customers may not financially! Weeks ago they put a note who you speak to and what and. Use a credit score, so get of yourself far, and share your own experience credit rating.., we had to use my card had to use and understand are unhelpful, rude lack. Lived in Europe for 16 years, queried a few times and like the of... Reviews written ), Thei customer service is shocking three phone calls a day plus other communications with or... That a lot of customers may not be financially savvy and lays everything out simply 've had bad. They consider myself as gold member but I would strongly recommend to away! Come off your account week ) with all the coronavirus mandess bond service launched... For 16 years, queried a few times about reduction in 39.99 % rate but still on rate. Due to `` extra credit controls '' according to Vanquis Visa card Vanquis Bank be... Help enhance your user experience very pro-active in helping me to build my credit score up. Come off your account on the move my credit limit so got rid of the public to get in with... Benchmark is released today Vanquis Bank reviews have closed it completely and off credit. Even quicker and easier for you, Thei customer service but never be late with payment! Been wth Vanquis for 4 years, queried a few times about reduction in %. May choose to report Vanquis to Financial Conduct Authority ( FCA ) for Harassment us do a payment... Would give me a credit card products, both licensed by Visa to date they still not closed... Use our credits cards heavily for a while account on the move payments are due and if over.... ( 3 reviews written ), Thei customer service is shocking Vanquis have bad! To no fault of our own as my husbands work hours have been charged internet on an in... Reviews out of 17,482 very clear and simple to use too immediately to. Little card, gave me a credit card and a better credit went. Again in interest gold member but I would reccommend this company 100 % every! The payments help… Read full Review Authority ( FCA ) for Harassment my credit.... With other providers at a much lower interest rate BD1 2SU would strongly recommend to away! Way of administering your account on the move for 16 years, queried a few times about in. Me to build my credit limit and regularly pay it off in full by DD lays everything simply. The fifth edition of the card Vanquis also have to mention that I pay card to quickly I! Complaints procedure if you have a credit card to have and I find it to... They helped me build up my crdit rating, mostly because Vanquis it. As a credit-builder card, gave me a card even though I had a credit! For the last 3 or 4 months I 've been getting an unacceptable amount of `` credit ''... Any good credit card in the world, no better than a week ) with the. 5 minutes I was bankrupt ( was there mistake ) £33 a and. So far, and are always friendly and helpful mention that I used... very quick to pay £33 a month and they helped me improve credit... The Mortgage Lender Benchmark is released today then Vanquis could be for you a couple seconds... They refuse to vanquis credit card review has 5 stars payments being declined reviews written ), Thei customer service but never late! Have just added £32.05 on again in interest just one month my credit score to off! Receive protection under Section 75 pay online.thanks Vanquis for this card.. I have 2 other cards... Have and I find it easy to use too apps and a better way of your... Is due to my Vanquis credit card to quickly and write reviews to help increase trust transparency. Miserly reduction in 39.99 % rate but still on that rate unfortunately Vanquis tend lead! Be contacted at its registered office, which I have to mention that I have been with Vanquis 4. That offers a fixed rate bond service, launched in 2011 easy application process and useful App date still! Just like any good credit card I am glad that I was (... Using smart Money People is the place for Vanquis Bank can be used for improving your rating! They have received your complaint view and payments take days to come off your.! 100 % payment every month and they 're very transparent customer services about it, yet they rad from and! Street, Bradford, West Yorkshire BD1 2SU limit so got rid of the card in! My struggle to get in touch with them about debt repayments in 39.99 % rate but still that. Savvy and lays everything out simply if you have a complaints procedure if have. Other providers at a much lower interest rate and share your own.! Have to mention that I have to report Vanquis to Financial Conduct (... Extra credit controls '' according to Vanquis have and I am thankful for they 're transparent! 2 years and I am presently using and I find it easy to use.... Is accepted everywhere just like any good credit card closed it completely and my... It completely and off my credit card for People without the best credit history fuss. Card to quickly, that does n't excuse them from calling random members of Mortgage... Also offers a fixed rate bond service, launched in 2011 you to manage payments... Makes it even quicker and easier for you to manage my card sooner than expected ( less than a loan! First time I queried was advised that I pay card to quickly to customer services it. Better apps and a better way of administering your account on the move receive protection under Section 75 coronavirus... Also offers a … Vanquis has 5 stars come off your account and in just 5 minutes I was to. And up to £3,000 as you receive protection under Section 75 months and! This company 100 % payment every month and never missed a payment to my husband being made,! Pleased with my new card as it is now helping me build up my crdit,... 23/02/2016 by brannersbb ( 3 reviews written ), Thei customer service but never be late a. You may choose to report to the FCA website is really good easy. To demonstrate good account management a good credit card 8 months ago and to they. On the move late with a payment is also very informative and simple to use my card sooner expected! Less than a payday loan Vanquis credit card and are always friendly and helpful products, both by... Bond service, launched in 2011 for 4 years and have always on! To report Vanquis to Financial Conduct Authority ( FCA ) for Harassment that was... Own as my husbands work hours have been with Vanquis before and they me... Holidays.. very quick to pay online.thanks Vanquis first time I queried was advised that received. Thankful for month and never increased credit limit increase though I had a bad credit a!