Vanquis 4+

The App is helpful. It’s well set out and self explanatory, and compared to some Apps much more mobile phone friendly. Easy to check your balance: it’s got a helpful graphic that’s shows what you have used of your credit limit and what you can still use, so no maths needed. Also shows you your minimum monthly payment and the date due although you can repay any sum you want after covering the monthly payment. The repayment options are easy and very quick to use and once you’ve entered a card once you won’t have to again. Do be aware though it takes up to two days for a payment to register so if you’re intending to use your card within that amount again do make a payment a couple before you need to use that sum on your card again. If you have any problems the phone number to ring for Vanquis is displayed so no searching about looking for it. You can get a full digital or paper statement monthly too which explains any charges e.g after using abroad, or interest on your card. The only tiny issue I’ve found irritating is I once accidentally missed a payment and it locks your account. I had to call them: once I had it immediately unlocked and I could make payment of the amount of my choice. To be fair the phone is answered really quickly and it was dealt with easily but if I had one minor gripe that would be it but not enough to loose a Star over 😄... so five stars: the App is pretty much idiot proof which suits me fine...

Fast easy secure app will definitely recommend it as a credit card to help your credit rating. The ease of use and online options available are so good when your on the go and busy. You can set up monthly dd’s so you don't miss payments but if Like me you sometimes want to make a few smaller payments throughout the month this is also possible and still helps you pay off larger payments across a few months. I would recommend to anyone who is struggling to get credit score back up. Mine has already upped by over 450 points in the time I have had the card as well as having some hints and tips from Experian of how I can up my score- hopefully I will be able to get that mortgage next year. Along with this app I am also more aware and I have been watching my credit rating closely and I am aware of how my spending is having and affect on this level and I have also noticed that they have many hints and tips on spending so along with Vanquis and there helps and tips- makes things easier to understand and get a grasp of where we go wrong and what we can do to correct it. Gives you hints and tips to help credit rating as well as increasing your potential limit and advice if it’s good for you. Would well recommend to anyone who needs to increase their credit score gives you reminders and advice if needed

Signed up for my Vanquis credit card, was accepted, got my phone call straight away to finish the last bit of my application, spoke to a very polite and helpful man who talked me through everything I needed to know, my card and pin arrived in the time frame given, downloaded the app which was the easiest and most straight forward app to use, easy and quick to make payments, keep an eye on what you’ve spent, your balance, and what’s owed, but with their ‘£10’ repayment a month I mean you couldn’t ask for a less greedy money grabbing credit company, unlike others whom Wack your interest fees up if a payment isn’t made but they don’t show an amount of which has to be paid ‘monthly’ or weekly whatever it may be unlike vanquis. Couldn’t be more happy. And would recommend any one looking for a credit card for what ever reason to use them! If your payments are made of ‘£10’ a month the offer to up your credit spending limit. So what more can you ask for? A company who looks after its customers, No hidden fees or information which unlike other companies don’t inform you off that later catches you out down the line!! So if your wanting a credit card even if it is to build your credit score don’t be caught out by the other companies! Go to vanquis!!