Vanquis | Visa credit card

1656 reviews

39.9% Representative

Purchase rate: 39.9%

Representative example:

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).

Vanquis | Visa credit card customer reviews.

1656 reviews

4.6 out of 5 stars

Great
19:44 09-01-2018
ImageSmart Money People

This company has helped me improve my credit history after I couldn't get credit anywhere else due to some mistakes I made in the past. They have easy payment options and send a couple pf reminders so I know exactly where I stand.

Faye

VERY CLEAR MONEY MANAGEMENT !
12:09 08-11-2017
ImageSmart Money People

EXCELLENT CUSTOMER CONTACT AND GREAT ASSISTANCE TO EVERYONE !

PETER MULLINGTON

excellent from all credit
17:50 03-11-2017
ImageSmart Money People

easy access. on hand 24 7 to help excellent for everyone perfect for building credit score works with very bad creditb

Karla Butler

excellent card
19:48 08-08-2017
ImageSmart 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

High interest
18:44 29-06-2017
ImageSmart 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

Helping hand
15:42 29-06-2017
ImageSmart Money People

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

Kirsty hand

Here to help.
13:39 29-06-2017
ImageSmart 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
ImageSmart 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
ImageSmart 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

Good company, terrible app
09:39 23-06-2017
ImageSmart 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

Our review of

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 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.

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.

Written by: Alex

Highlights

  • Find out if you're eligible without harming your credit score
  • 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
  • Capped initial credit limit of £1,000

Minimum criteria

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

Fees

  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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 and 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.

Company information

Registration number: 2558509

www.vanquis.c...

08717705555

20 Fenchurch Street, London, EC3M 3BY

FCA registration

Reference No: 221156

Trading names: Vanquis Bank Limited, Aquis, Argos Credit Card, Black Diamond

Place of business: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU

Data protection registration

Registration No: Z767493X

Data controller: Vanquis Bank Limited

Address: No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU

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