Vanquis | Visa credit card

APR: 39.9% Representative
Purchase rate: 39.9%
OPTIOSCORE 33.7/100 
Vanquis | Visa credit card customer reviews

4.6 out of 5 from 1609 customer reviews

Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so when borrowing £1,200 the Representative APR will be 39.9% (variable).

Contact Vanquis

Vanquis | Visa credit card customer reviews

4.6 out of 5 from 1609 reviews

excellent card

19:48 08-08-2017

via Smart Money People

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

Helping hand

15:42 29-06-2017

via Smart Money People

This is a great card to get your credit rating to a better level

Kirsty hand

Good company, terrible app

09:39 23-06-2017

via Smart Money People

They are a great company, great pay back amount, but their app doesn't make sense when it comes to paying the amount needed each month. Either more money is taken by them at a much later date than it says, or less is taken, but it's extremely rarely the amount it states or the date. It just gets very confusing trying to sort out payments

Bethany

Chance to build your credit

14:16 19-06-2017

via Smart Money People

Managed to get a credit card with them and my credit score has improved so much since I've been with them.

Ricky Dias

Great way to improve poor credit score

10:20 01-06-2017

via Smart Money People

Access to the credit tracker is very useful and you can watch your score improve each month.

Nicola Anne Moss

Vanquis card

11:14 31-05-2017

via Smart Money People

Customer service is very very good. Helpful and really make you feel they care when you call with an issue. Rates could be lower, specially for long term customers.

Marco

Simple and straight forward

20:42 30-05-2017

via Smart Money People

Been a customer for a long time, very good service, fair, simple and easy

Kurt Oliver

Great application process and excellent customer service

19:05 30-05-2017

via Smart Money People

The online application was easy to use and it was a very smooth process. Customer service has always been great and no hassles. Great service

Maureen McCafferty

Easy transaction

08:38 26-05-2017

via Smart Money People

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

Great service

18:18 15-05-2017

via Smart Money People

Great customer service, a pleasure to deal with

Louisa State

Our review of Vanquis | Visa credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
41.4
Consumer sentiment
50

Total OPTIOSCORE
33.7/100

The Vanquis Visa Credit Card has a higher representative APR than a lot of other credit cards on the market, but this is due to the fact that the card is aimed towards those who may have a few blemishes on their credit file. Vanquis try to teach their customers the best way to 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 provide tips on their website to help customers learn about credit and the best way to use and manage their card.

Customers can use their Vanquis Visa Credit Card to withdraw cash anywhere in the world which will result in a fee of 3%, but if using it abroad there is also be a non-sterling transaction fee of 2.99%, which is in line with their competitors. Vanquis make it really simple for customers to stay up-to-date with their balance, statements and payment dates by providing management tools on the website. Customers can log in and check the details, which will encourage them not to go over the limit and incur charges.

The OPTIOSCORE for the Vanquis Visa Credit Card comes out as average with fairly decent scores across all three categories. Searching the web for reviews shows that although there are none for the Vanquis Visa Credit Card specifically, there are quite a few for Vanquis. On TrustPilot they have managed to get a really positive rating of ‘excellent’, which is much better than their competitors on Choose Wisely. There are particular mentions about the manageable credit limits, easy to use website and the ability to choose the actual design of the card they are sent.

Overall verdict: Positive reviews online should boost confidence in customers who have experienced problems with credit in the past. Vanquis appear to provide a lot of support alongside their Visa Credit Card to ensure that customers pay on time and don’t take on a debt that is too high for them.

Highlights

  • Capped initial credit limit of £1,000
  • Increase limit over time to £4,000
  • Aimed at those with bad credit
  • Manage the account online
  • Email alerts before payment due dates
  • Contactless payment

Minimum criteria

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

About Vanquis | Visa credit card

The Vanquis Visa Credit Card has a starting credit limit of between £150 and £1,000, however if customers prove themselves to be trustworthy by paying on time and not going over the limit then this can increase every five months to a final maximum of £4,000.

 

The Vanquis Visa Credit Card is aimed towards customers who may have had problems with their credit in the past have been turned by providers but are now looking to improve their position. Vanquis highlight on their website that customers should use the card sensibly by using it a little at a time and then paying that off.

Customers can manage their Vanquis Credit Card online by either logging into the website or registering for eVanquis 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. Vanquis will send an email a few days before the payment is due to ensure the customer knows it’s close – helping to rebuild their credit and avoid falling into further debt.