Vanquis | Aquis credit card

APR: 29.8% Representative
Purchase rate: 29.84%
OPTIOSCORE 32.2/100 
Vanquis | Aquis credit card customer reviews

4.6 out of 5 from 1611 customer reviews

Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so when borrowing £1,000 the Representative APR will be 29.80% (variable).

 

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Vanquis | Aquis credit card customer reviews

4.6 out of 5 from 1611 reviews

Good all round service

20:19 29-06-2017

via Smart Money People

Fast approval and great app for smart phone makes it really easy to manage your account

Scott Morrison

High interest

18:44 29-06-2017

via Smart Money People

Easy to get , but the extremely high interest is shocking . And they target people who don't really have other options for credit cards . Customer service is awful

Rebecca meakin

Here to help.

13:39 29-06-2017

via Smart Money People

I applied for a credit card with vanquis because I had heard that they are a company which gives people will next to no credit score the chance to build a credit profile with their credit card. This was fantastic for me and after applying online, I had my card in no time. However, I really started to get on board with vanquis when I learned of their repayment option plan which really made me realise that this was a company for its people. I am opted in for the repayment option plan and have (unfortunately) had the chance to use the amazing benefits such as an account freeze for up to 2 years due to unemployment. The customer service is very efficient and friendly and the process as a whole is very fair.

Elena Stuart

A Good Place To Start After Bad Credit

13:01 29-06-2017

via Smart Money People

If you're struggling to get a credit card to start building your credit rating then a Vanquis card is a good place to start. The interest rate is a little high but if you make sure you clear it every month then this is no problem. The biggest letdown for me were the regular sales calls trying to get you to upgrade with extra packages. These eventually tailed off after about a year after repeatedly saying no to them

Glenn Langridge

Vanquis are an excellent overall compsny

18:14 27-06-2017

via Smart Money People

I find vanquis fantastic and easy to deal with. They have excellent customer services on hand to help with any issues you may havd

Lisa Heywood

Fantastic

22:04 22-06-2017

via Smart Money People

When I went through a tricky time and needed some help with making my monthly payments they were great and set me up on a payment plan so I could get it under control. Such a relief.

Michelle smith

Great company

19:30 22-06-2017

via Smart Money People

Great first time credit card to build credit file, easy customer service

Emma osborne

Very approachable

12:41 20-06-2017

via Smart Money People

They have been very helpful, polite and understanding.

Alison Kirk

Good first card or for poor credit history only

18:09 11-06-2017

via Smart Money People

I got this card because of my poor credit history. I kept it for two years until my credit rating improved and then got rid of it. If you miss a payment the interest in HUGE.

nat

OK to rebuild credit score

09:38 09-06-2017

via Smart Money People

High interest rates so pay balance off each month. App doesn't work very well and you have to ring them for any Customer Service, but overall not too bad

Jon Whittle

Our review of Vanquis | Aquis credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
37.3
Consumer sentiment
50

Total OPTIOSCORE
32.2/100

The Aquis Credit Card is provided by Vanquis and is aimed towards those who may have a few blemishes on their credit history. They try to help customers manage their credit by initially giving a maximum limit of £1,000, once it’s been proved that this can be kept to and paid on time, then this can increase every five months until it reaches a final maximum of £4,000. Vanquis also put information on their Aquis Credit Card site to educate customers and give them tips on how to stay out of debt and work towards building up their credit.

Apart from a more expensive representative APR than a lot of credit cards on the market, charges and fees are fairly in line with their competitors – such as the fees for paying late or going over the maximum limit is £12 each. 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%.

There are no online reviews that are specific to the Aquis Credit Card, however Vanquis as a whole have received a rating of ‘excellent’ from TrustPilot. This is much better than a lot of the credit card providers on Choose Wisely and customers are particularly positive about their transparency, communication and being able to use it to rebuild their credit.

Overall verdict: Vanquis appear to help customers rebuild poor credit with their Aquis Credit Card. They give their customers the tools to manage it themselves but with gentle text reminders to ensure they don’t get into trouble. If you have poor credit and are looking for a credit card, this could be the one for you, just watch out for the more expensive representative APR.

Highlights

  • Manageable initial limit of £1,000
  • Credit limit increases with trustworthiness
  • Manage the card online
  • Decision within one minute
  • Contactless payment

Minimum criteria

  • You must be aged at least 18
  • You need to be a UK resident
  • No bankruptcy

About Vanquis | Aquis credit card

The Aquis Credit Card from Vanquis is designed for customers who may have experienced problems with credit it in the past and has a representative APR of 29.8%. To begin with customers could be given a maximum credit limit of £1,000, however if they prove to be trustworthy by keeping under the limit and paying on time then this can increase every five months up to a final maximum of £4,000. There is no annual fee for the Aquis Credit Card, but customers will be charged a fee of £12 if they miss a payment or go over their allocated credit limit.

After completing the application customers should be able to receive a decision within one minute – Vanquis may require further information from the applicant, but they will notify you if this is the case. Once accepted customers can receive their Aquis Credit Card in 10 to 14 days, with the PIN arriving around the same time, but separately for security.

Customers can manage their Aquis Credit Card online by logging into the site where they can access their statement, make payments to the card and check their payment date. Customers can also make payments over the phone, by post and over the counter at a bank or Post Office.