Alliance & Leicester Credit Card Review

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Alliance & Leicester Credit Card
1.4 stars
Average rating for this product is: 1.4 out of 5

From 0 ratings and 9 reviews

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bacchae's Review of Alliance & Leicester Credit Card

3rd Apr 2004

Overall Rating

2 stars
  • Value for money
    1 stars
  • Loyalty scheme
    Yes
  • Used card for
    1 year and over
  • Customer service
    3 stars
Good Points

Cash back
Improved internet service


Bad Points

Part of MNBA


General Comments

I have been with the Alliance & Leicester bank and credit card for over 10 years, but I am about to cut up their credit card.

They have recently sold out to MNBA and it shows.

In the past, I have had overdue charges refunded out of sheer customer relations from Alliance & Leicester but now I feel as if you are a number and nothing more.

I have started getting telephone calls offering to put money in my bank by creating a debt on my credit card. I am ex-directory and always ask not to be contacted by any company I deal with. I can only assume MNBA do not think that this applies to them. I am not talking about one call but three in the space of a week.

The internet service is good and if it was Alliance & Leicester still I would stick with the card. But MNBA seem to have a method of working that I find unpleasant. They have always had a reputation for giving ANYONE a credit card and their insistance on wanting to give me money that I don't want or need seems to prove the point.

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Members' Comments onbacchae's Review

  • NuttySandy Rank: Corporal on 25th Jun 2005

    I have had a Alliance&Leicester Credit Card since 2001 but I am about to close my account. Since MBNA have taken the Credit Card over the interest rates have rocketed! October last year the interest rate went from 18.9% to 19.9% then in Febuary this year it went up to 24.9%. After speaking the MBNA about this I was offered a 2% drop in interest but would have to pay £25.00 to do so. I also asked how they could justify charging so much and this is what I was told. It could be one of the three following reasons. 1. Bank interest charges. I was quick to point out if thats the case how do other lenders provide such better deals. 2. If a customer was making late or none payment. I again was quick to point out that wasnt the reason in my case. Where I was told no I can see that as I have your details infront of me. 3. There could be something on your credit file thats made your interest charges go up. Yet again I was quick to point out there was reason for this. I feel as if Im being penalised for being a good and loyal customer. After reading the other comment on this site Im pleased to know its not just me who feels this way.