Halifax One Credit Card Reviews

“Had this account for 8 years and upto 6th January 2010...”

Written on: 11/01/2011

Had this account for 8 years and upto 6th January 2010 had a credit limit of £12,500.
Never defaulted, suffered income loss or made late payment.
Halifax reduce my credit limit without warning to £5,200.
I have guarenteed net income of £36k for life and they penalise me like this...paid off balance taking my money elsewhere. (read more)

“Good balance transfer rate when it lasts, high APR...”

Written on: 08/12/2010 by nottinghamfella (41 reviews written)

Good balance transfer rate when it lasts, high APR when the balance transfer intorductory rate ends!

Good customer service by British staff and good resolution when things go wrong. (read more)

“I was not able to use my Halifax credit card whilst...”

Written on: 22/11/2010

I was not able to use my Halifax credit card whilst abroad and phoned up to find out why. I was told that my credit limit had been reduced from £5,600 to £1.800 and that a letter was in the post(not really helpful as I was already abroad). Two days before travelling I also made a point of contacting Halifax to advise them I was intending on using it abroad - this was duly noted and the girl wished me a good trip - at no stage did she tell me that my limit was being reduced.
Whilst abroad I... (read more)

“Halifax customer service is appauling. Rang the so...”

Written on: 07/10/2010

Halifax customer service is appauling. Rang the so called "customer services" and the attendant was extremely impatient and rude. I'm not the sort to complaint and rarely do so. i even asked if i could speak to someone else or her manager which she simply refused. been with Halifax my entire life as my parents banked with them too. All i have had is heavy charges for ridiculous reasons and poor customer service.

Will pay off credit card and move my savings account, current account and... (read more)

“I was offered A Halifax Platinum Card through Chrysler...”

Written on: 17/09/2010

I was offered A Halifax Platinum Card through Chrysler UK, who sold me a car. Interest rate in 2006 was 14.90% APR. In 2008 Halifax took over the card and interest rate has increased to 22.95%APR. I can only afford to pay the minimum each month or slightly above the minimum. I now find that the capital sum owed increases every month and unless I pay off the whole amount of just under £7000, I will eventually reach a stage where I will not be able to even afford the minimum. It is a... (read more)

“Halifax One credit card is great if you can look after...”

Written on: 05/08/2010

Halifax One credit card is great if you can look after your finance properly.
1. Pay off the balance of the card in full every months.
2. Do not make your payment late.

You can have some cash back by using the card where your Amex card is rejected.

So far, I have never had any problem with their customer service.
The only issue with this credit card is that they hasn't offered me a credit limit that I asked for. (read more)

“Have just got a letter today reducing our Halifax One...”

Written on: 14/06/2010

Have just got a letter today reducing our Halifax One card credit limit by £1500 while last week they upped the rate. My husband earns over £125k per annum, I earn too so we are not poor nor are we any kind of credit risk. However, we went in for a review last month to the bank and ended up cancelling their expensive PPI insurance(we reviewed all our insurance and found much, much cheaper through a broker) and we laughed like drains at their suggestion we switch our mortgage to their... (read more)

“This company pains me dearly. My credit limit is £100....”

Written on: 21/04/2010

This company pains me dearly. My credit limit is £100. I have asked the operator on two occasions (6 months apart from each other) why my request for my limit to be raised has been rejected (£25k/year, on electoral roll, checked credit agencies for discrepancies), for them to tell me that they can't see why, but since "computer says no", I should try again in another 6 months. (read more)

“HALIFAX ONE CREDIT CARD - APALLING CUSTOMER SERVICE...”

Written on: 07/04/2010

HALIFAX ONE CREDIT CARD - APALLING CUSTOMER SERVICE AND NO IDEA HOW TO MAINTAIN LOYAL CUSTOMERS. Have had the Halifax One card for 5+ years and have managed the account faultlessly. March statement didn't arrive and being a busy mum I didn't notice and so it didn't get paid. I only realised when my card was 'stopped' and embarrassingly rejected in two shops and then online. The balance on the card was a paltry £280. I was charged £12 as a late payment fee and immediately requested this... (read more)

“Halifax shooting themselves in the feet or are they?!...”

Written on: 07/04/2010

Halifax shooting themselves in the feet or are they?! I have been a customer for over 12 years now and in that time my credit card limit had increased to £11650, now it stands at a paltry £500. A letter received informed me this was due to an account review, and said something about responsible lending, however I always paid my balance on time, which has been nil for at least 6 months now. I hardly used the card but it was good to know it was there. I have a good credit rating and so was... (read more)

“I would advise everyone and anyone thinking of getting...”

Written on: 08/03/2010

I would advise everyone and anyone thinking of getting a new creit card NOT to get any Halifax or bank of scotland credit card, the company are totally useless at running the card, not at all interested in customer service and quite clearly useless in running your account properly, to give a clue on this, my account was opened up via an online application, complete with my bank details to enable a direct debit to be paid every month. After 2 months the direct debit was cancelled? NOT BY ME... (read more)

“I have had a Halifax Platinum credit card for the last...”

Written on: 25/02/2010

I have had a Halifax Platinum credit card for the last 4 years or so. Customer service has always been "challenging" (when a South African company double charged my card I was told it was my problem to sort out!), however they have just reduced my credit limit to £500 despite the fact that:

1. I earn over £100k a year;
2. I have always paid off my blaance in full each month; and
3. I frequently spend more than £500 a month on my credit card.

Customer services were typically unhelpful. ... (read more)

“I thought this card was great up until recently when i...”

Written on: 19/02/2010

I thought this card was great up until recently when i have looked at my statements properly... i was sold ppi... not really knowing what it was which cost around £15 a month... and im getting charged between £5 and £10 a month interest on balance transfers? the only belance i transfer is the payment! why are they charging me for paying off my bill!!!! its stupid! i hate this card i am desperatly trying to switch! i have been with halifax for 9years. they just take what they can off... (read more)

“Customer service: excellent. ”

Written on: 12/02/2010

Customer service: excellent.

Online banking: excellent, uses the same platform as all other Halifax / Bank of Scotland accounts, so they can all be seen together.

Statements: clear and easy to understand. They give a very simple description of any charges that might apply (so that they can be easily avoided) and the end date of any promotional 0% periods.

Paper-free statements available.

Direct debit facility available for either minimum payment or full amount.

But the place where... (read more)

“I wouldn't recommend this card to my worst enemy. The...”

Written on: 26/01/2010

I wouldn't recommend this card to my worst enemy. The customer service was appauling. The online statements were difficult to understand.
I was a loyal customer for over 5 years and missed one payment in all these years, i was charged interest on the late payment and then racked up interest on the charge.
(read more)

“Watch out for the devious late payment policy attached...”

Written on: 26/01/2010

Watch out for the devious late payment policy attached to this card.

If a payment is late then you are charged an administrative fee. Fair enough.

However from that point onwards you are charged interest on any balance regardless of whether it is paid on time or not. Forever. This is an absurd policy as Halifax have already been compensated for the late payment.

The online statements are also confusing to say the least. (read more)

“Halifax cards are without doubt the most underhanded...”

Written on: 05/12/2009

Halifax cards are without doubt the most underhanded unscrupuless card componey in the U K stay away at all cost they will suck you in with promises of low rates if you are unluckey enough to be made redundent or fall ill you are responsible for payments untill they process your clame wicth could take four months make, one late payment and your interest rate will rise by as much as 300% fact customer service is cronic!!! (read more)

“The costumer service is the poorest of the poor. they...”

Written on: 28/11/2009

The costumer service is the poorest of the poor. they caused so much inconvenience to me after applying online they requested to call them for further information, after calling they said they need to send me a agreement to sign ( from my long experience applying online on different banks acceptance of terms online is a enough). But hey after few days i received it, signed and returned it to them. After few days they send me a text to contact them again, so i did, then been told to go and... (read more)

“sd”

Written on: 10/10/2009

sd (read more)

“Consistently contactd by Halifax when my balance was...”

Written on: 05/10/2009

Consistently contactd by Halifax when my balance was low offering promotion after promotion.when I did start using the card got a letter saying they were changing the interest to 23% and it would cost me an extra 34p per £100 each month plus interest already accrued.I presume they thought I was stuck I have another cc that I had paid the balance off on so I was able to transfer the amount and deprive Halifax of any interest ha! but watch out as they lure you in and then when they think you... (read more)

“Moved from MBNA to HaliFax 18 months ago, am now in...”

Written on: 09/06/2009 by honestbroker (1 review written)

Moved from MBNA to HaliFax 18 months ago, am now in the process of moving back. Declined PPI insurance when switching but it was applied after 2 months. Rang them and they agreed to remove it but continured to debit my account, now they want my removal request in writing. Asked for a 3rd card for my daughter last April 2008, still waiting. They keep sending me from one department to another, not having live web access to the account is a problem as all statements are 6 weeks old. MBNA... (read more)

“Halifax were offering 0% on all balance transfers on...”

Written on: 04/05/2009 by dlorrc (1 review written)

Halifax were offering 0% on all balance transfers on their credit cards. After transferring just over £2K I then received a handling charge of £65.

I think that they are being really sneaky with this and as a result I will never use them again. (read more)

“Appalling customer service, left on hold and passed...”

Written on: 21/04/2009 by SUK (1 review written)

Appalling customer service, left on hold and passed from department to department when trying to contact Halifax. 5 weeks of waiting to be told my card application has been declined when I had previously had a credit card with them for 2 years with no problems. In this time nobody contacted me to tell me what was happening and getting any information from Halifax to find out what was happening was a long process over the phone. " I would not recommend them to anyone after banking with them... (read more)

“I have a similar story with Halifax one card, last...”

Written on: 18/10/2008 by phillip2phillip (1 review written)

I have a similar story with Halifax one card, last month I made a 4 figure purchase on my card with in my credit limit. I received my bill, sent and electronic transfer the same day to repay the amount in full. The money was transferred and received by Halifax within 2 working days. For the past week I have been contacted every day by a half witted representative asking me to make a payment although I do not owe them a penny. (read more)

“Charged £12 for 1 day late payment”

Written on: 16/04/2008

Charged £12 for 1 day late payment
Despite the statement showing the payment was received when it was due
(read more)

“I was unable to increase my Halifax One credit card...”

Written on: 27/03/2008 by davayr (1 review written)

I was unable to increase my Halifax One credit card limit.
Payments allocated to lowest Interest Balance, (purchases not cash advances)
Treat Payments to a Litlewoods Football pools as cash advance, (hidden in the small print of the terms and conditions.) Totally dissatisfied with customer service. (read more)

“Similar story, I got an interest free card, monthly...”

Written on: 25/02/2008 by lazza1 (1 review written)

Similar story, I got an interest free card, monthly payment was £4 short which I paid straight away, the interest free element was revolved and reverted to the normal rate but was never mentioned during my call to them. Did realise until 3 months later! (read more)

“I am pretty HAPPY so far .... with thier product and...”

Written on: 11/02/2008

I am pretty HAPPY so far .... with thier product and service ...
I only went to open their current account .. There was a deal at that time ..and they given me 100 pounds... after 3 months..

They offered their Credit card... and i said yes...

they given me a good credit limit ...

i use their card.....and i use their online access... which is good...

I am pretty HAPPY so far .... with their product and service ...

when i call thier telephone number ...i get through quickly enough..and i... (read more)

“In November 07 I paid off over £700 of a balance of...”

Written on: 15/01/2008 by ozricii (1 review written)

In November 07 I paid off over £700 of a balance of around £800. In December (what with it being a busy month for me) I missed a payment and the fun began. I was called several times a day from a London number. The caller stated that they were calling from the Halifax and asked me to confirm my DOB. As I don't give out personal details over the phone I refused. I then called the number back and got a recorded message with no information saying that it was the Halifax. From that point... (read more)

“My experience was this: I never received a...”

Written on: 18/12/2007 by TILLYKATE (1 review written)

My experience was this: I never received a statement(lost in post?)and therefore I made a late payment, my £6000 12 months interest free credit was then instantly revoked, despite me ringing them up to explain, and being told that I would not be charged interest.

I found this to be unfair and the company was, for me, very unhelpful. (read more)

“The Halifax credit card is very very poor, you can't...”

Written on: 29/07/2007 by ushert (6 reviews written)

The Halifax credit card is very very poor, you can't change your address for love nor money. I've requested a change of address by letter, internet, phone and they still send statement to wrong address. Useless! (read more)

“Reduced our credit limit without informing us which...”

Written on: 30/05/2007 by deebry (1 review written)

Reduced our credit limit without informing us which resulted in a credit card cheque which we paid into our bank account being returned one week after the funds had been used, resulting in a massive overdraft at the bank, charges and bank card being downgraded whilst the overdraft was being paid off. Very disappointed. (read more)

“Have had a Halifax credit card for years but have...”

Written on: 17/05/2007 by Blakep

Have had a Halifax credit card for years but have never been offered any type of loyalty scheme or any benifits for staying with them. Missed one payment in the entire time with them because I was abroad and they did not set up the minimum payment I asked for, they fined me and dropped my credit limit even though I payed off the full balance the next month!!

They also will only give me a very small credit limit even though I earn an greatly above average wage.

Don't go with Halifax! (read more)

“The Platinum credit card worked well while paying it...”

Written on: 23/04/2007 by Mick Morley (2 reviews written)

The Platinum credit card worked well while paying it off each month. Unfortunately, the offer of interest free credit on purchases for 9 months turned out to be incorrect! Any Halifax credit card payments subsequently made actually paid off the 0% bit, leaving the other purchases attracting interest at 20%!! (read more)

“What incentives does the Halifax credit card offer to...”

Written on: 22/04/2007 by allancmcgauley (1 review written)

What incentives does the Halifax credit card offer to users, so they don't switch cards and take advantage of the 0% transfers for up to 13 months? (read more)

“At first the card was OK at 15%, but then after a...”

Written on: 14/02/2007 by binfleeced (1 review written)

At first the card was OK at 15%, but then after a year, the rate was raised to 20% for no reason.

I cancelled my credit card protection to offset the extra cost, and 6 months later, the interest rate has been raised to 24.93%.

Halifax customer service staff are not helpful, as this is now causing me problems. (read more)

“Halifax draw people in with a 0% period on their...”

Written on: 14/02/2007 by clareallan (2 reviews written)

Halifax draw people in with a 0% period on their credit card, and then charge loyal customers MASSIVELY over the odds. They count on the laziness of customers not to bother switching and keep hiking up the interest. I am closing my account. (read more)

“The customer service people were exceptionally...”

Written on: 19/01/2007 by caffrey (1 review written)

The customer service people were exceptionally unhelpful when we lost a Halifax credit card. We have made official complaints, and still heard nothing despite empty promises. The card has been refused for no reason. Errors have been made by Halifax and not rectified well. (read more)

“A credit card payment was taken without my permission...”

Written on: 16/01/2007 by macca160670 (15 reviews written)

A credit card payment was taken without my permission only for £5.99, so I e-mailed them, but I received no reply. I telephoned them, and they were not in the slightest bit interested. The Halifax told me to call the people in question, but I had already explained that they were proving difficult. Eventually, I got a refund from the people that had taken the money, but not from the Halifax.

Today I have noticed that a payment has been taken by direct debit for Halifax credit card of £16.03... (read more)

“I have had this card for three months, and so far I...”

Written on: 13/01/2007 by angela2477 (2 reviews written)

I have had this card for three months, and so far I have twice been informed by a collections agent that I have been charged a late fee, when I have not received a statement. I have never been late with a payment in my life, and U have an excellent credit history. I have written countless letters to the Halifax, and I have had no reply to date. I have found most of their operators to be very unhelpful and unfriendly. At the beginning of this month I decided to pay the balance off in full,... (read more)