Vanquis | Aquis credit card

APR: 29.8% Representative
Purchase rate: 29.84%
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Vanquis | Aquis credit card customer reviews

4.6 out of 5 from 1619 reviews

excellent card

19:48 08-08-2017

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Vanquis approached me by post offering a card with competable interest. Initially vanquis claimed they would consider a credit limit increase after 4 months however 3 months in they changed their policy to 5 months with no exception to existing customers. Online banking is useful however paying off the credit card takes 3 working days which can be imconvenient when i send money over which i need to access soon after.

James campbell

Good all round service

20:19 29-06-2017

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

Scott Morrison

Here to help.

13:39 29-06-2017

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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

Vanquis are an excellent overall compsny

18:14 27-06-2017

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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

Great company

19:30 22-06-2017

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

Emma osborne

Very approachable

12:41 20-06-2017

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They have been very helpful, polite and understanding.

Alison Kirk

OK to rebuild credit score

09:38 09-06-2017

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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

Great Customer Service

14:16 04-06-2017

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Always willing to help. send regular updates on my balance, so that I never go over. always friendly and helpful when i've needed to speak to them over the phone. overall great company.

Katey Hogben

Easy transaction

08:38 26-05-2017

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Had a credit card with vanquish and it was easy to sign up for. They let you know about your balance and transactions and the online paperless is easy to use. Very simple but helpfulx

Meagen

exccellent credit card company with great customer service

06:22 08-05-2017

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I like vanquis because they have great customer care and a wonderful mobile app. The website also gives detailed information on my transactions and if I am in need of any advice I know there is always a helping hand on the other end of the phone

richard clarke

Our review of Vanquis | Aquis credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
37.3
Consumer sentiment
50.0

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.