Looks like Vanquis, but given today’s scam climate and the fact everyone’s checking here, they really ought to rethink their approach, mate.
Vanquis credit‑card SMS: legit or scam?
Summary — +447860093002
Caller Name: Vanquis
Caller Type: Safe
Location: United Kingdom — United Kingdom
Reviews: 105
Carrier: O2, Region: United Kingdom
Expert Opinion
If you’ve just applied for a Vanquis credit card and get a text asking you to reply “ACCEPT”, you’re probably looking at a genuine part of their application process. The bank uses the number to confirm you’ve received the offer and to lock in the APR and credit limit. However, the method feels a bit dated and can be confusing – especially if the message uses the wrong name. Always double‑check by calling the official Vanquis helpline before sending any personal details. If you didn’t apply for a card, treat the text as suspicious and report it.
Caller Categories
Caller Names
Details
Location: United Kingdom — United Kingdom
Number type: ratings.phone_number_type_list.1 — O2
Rate this number — +447860093002
Recent Reports for 07860 093002
447860093002
Financial
Offered to authorise a credit card
They used Vanquis to verify my phone number after I submitted an application.
447860093002
Unknown
★
★
★
★
★
User marked this as bad
I got a text claiming my application was approved and a card was en route, even though I haven't applied lately – my last approval was ten months ago. A call to Vanquis confirmed they sent no such message today and warned me not to reply or share personal info. The concern is heightened because the text came from the same number that originally sent my application details, indicating scammers are trying to masquerade as Vanquis.
447860093002
Safe
★
★
★
★
★
Feedback from user is good
Got a call from Vanquis confirming this is part of the APR and credit‑limit acceptance process – you just need to reply with accept or decline, mate.
Yep, Vanquis confirmed they called and got a yes – that’s how they check if you accept the limit and APR, legit as can be, mate.
Received a text purporting to be from Vanquis Bank, asking to discuss a recent transaction.
Received an SMS claiming to be from Vanquis bank; when I contacted Vanquis they confirmed the message wasn’t theirs – looks like a scam, mate.
447860093002
Safe
★
★
★
★
★
Number deemed safe
447860093002
Financial
★
★
★
★
★
Is this credit card offer legit or a scam, cant tell
447860093002
Safe
★
★
★
★
★
Confirmed as a genuine number.
447860093002
Other
★
★
★
★
★
User feedback is mixed
Even though it feels dodgy, it's actually Vanquis.
447860093002
Safe
★
★
★
★
★
Safe to answer
It appears quite dodgy, yet it's from Vanquis Bank/Credit Card, and the verification method used is terrible.
It may smell like a scam, yet it's Vanquis, and the method used to verify your phone number is dreadful.
447860093002
Unknown
★
★
★
★
★
User feedback is negative
447860093002
Unknown
★
★
★
★
★
Negative feedback provided
447860093002
Unknown
★
★
★
★
★
Bad experience reported
447860093002
Safe
★
★
★
★
★
Number is reliable
447860093002
Safe
★
★
★
★
★
Safe number, no issues
447860093002
Unknown
★
★
★
★
★
Number has bad reputation
★
★
★
★
★
Reported as telemarketing
447860093002
Financial
★
★
★
★
★
Legit number for credit card aplications
Page 1
Next
Different formats
More related reports
Same caller name: Vanquis
441274031969
447984357488
447984357488
447984357488
441274049196
441274031969
447984357488
441730858252
Same category: Safe
