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

Thumb down 11% of users recommend this product

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bonzo26's Review of Alliance & Leicester Credit Card

28th Mar 2007

Overall Rating

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

A tiny money-back facility.
0800 freephone contact number, although very difficult to find a human being to talk to.
Wide acceptance abroad when other cards "stopped" for "fraud prevention" purposes.


Bad Points

Operated by MBNA.
Exorbitant rates of interest.
Short period between receipt of statement and payment due date.
Rapidly deteriorating terms and conditions.
Confusion between quotation of monthly and annual interest rates.


General Comments

As stated in another review, this used to be a good value credit card operated well by Alliance and Leicester. It was sold to MBNA, who promised that there would be no deterioration in benefits.

MBNA quickly reduced the money-back benefits and increased the interest rates, and provided a lower quality of service. Current interest rates are excessive at 24.9%, but if you complain you can get them to reduce the rate for a period, but they delight in quoting interest rates in different forms - i.e. monthly or annual, but never together, thus making comparison difficult. When you ask them to use consistent terminology they often cannot do so!

Like many other credit card companies they are constantly looking for ways to claw back the revenue they have lost from the controls on "rip off" penalties for late payment and unauthorised credit limit exceedances. Hardly a month goes by without some deterioration in terms and conditions.

Overall better value cards are available - not MBNA!

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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%