Useless customer service. On Nov 29th, they sent a text message asking for a yes or no about a credit card transaction. When I replied 'no' they messaged back to say they couldn't locate any details of my account. After four phone calls that were never actually answered, and one today that was - I discovered that since 29th Nov, multiple transactions have been attempted (and declined by Vanquis) including one today in UK and abroad, and not a single person bothered to contact me! They sent a letter 5 days ago which has not arrived, but they couldn't explain why, when replying to their own text message, none of my account details could be found. I'm now locked out of the app and will probably be left with no card before Christmas. Their customer service is extremely poor.