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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NuttySandy's Review of Alliance & Leicester Credit Card

25th Jun 2005

Overall Rating

1 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    1 stars
Good Points

Was good when the Alliance & Leicester used to run it themselves.


General Comments

I have had an Alliance and Leicester Credit Card since 2001 and I used to be very happy with it until MBNA took it over.

Since then the interest rate as rocketed! In October of last year in went from 18.9% to 19.9% then in Febuary it went up to a stagering 24.9%.

After speaking to MNBA and asking them how they can justify charging me so much I was told it could be because of one of the following three reasons.

1. Bank interest charges. I was quick to ask if that was the case how come other lenders where offering such lower % cards?

2. Being either a late or none payer. I said that didn't apply to me. Where I was told... I can see you run your account well.

3. There could be something on your credit file that made us feel we needed to raise your personal interest rate. I again said that doesn't apply to me, where I was told... Do you know for sure? Have you checked?

This made me feel quite angry!

I was also told I could have a drop in interest rates by 2% but I would be charged £25.00 to do so. This is know as the Loyalty scheme they do for loyal customers.

What a cheek! Where's their loyalty to us loyal customers?!

I am transfering my balance onto a new credit card that I have just got. I then will be closing my Alliance & Leicester account.

I also found that most of the people who I spoke on the phone to at MBNA didn't have a very polite manner, something I find unexceptable when they are being paid to do a job.

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Virgin Credit Card0.00%3 months16 months 2.98% or £3.00 fee3 months16.60%
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%