Written on: 24/01/2013
Applied for this card 3 weeks ago. Called today to check where is my credit card and pin as I have received nothing through the post. They told me they sent it to a wrong address despite it being correct on the credit card agreement and now I have to go to a branch and change my address even though I do not have any reference number nor do I have a current account with Halifax etc. I plan to call to customer service again and confirm if it is true that if I do not have a current account with... (read more)
Written on: 17/01/2013
My partner & I have a joint account. Without notice today my partner recieved a text to advise that our credit limit has been reduced from £15k to less than £2k ( we usually spend in excess of £4 k per month and pay it off without fail )) I am disgusted that a bank can do this with out any prior notice or warning! When we called to check on this we were as usual passed from pillar to post, then to be advised we had gone over our new limit that we are unware of by some £27 and will incur... (read more)
Written on: 23/11/2012
Applied & was instantly accepted for a Halifax Credit Card online nearly 3 weeks ago & yet I still dont have a card through! I actually received the pin number through a week ago with a letter stating that the card will be with me in a few days, but unless the definition of a few has changed then that hasnt happened! I actually needed to card to buy a car this weekend & as most people probably would I thought 3 weeks prior would be plenty of time... maybe if I hadnt gone with Halifax it... (read more)
Written on: 21/11/2012 by tb83
If you want to use a credit card anytime soon, for the love of god do not apply to Halifax!! I applied 3 weeks ago tomorrow n as yet all I have is a pin number that arrived a week ago along with a letter saying I would have my car in the next few days! I ordered the card so that I could use it this weekend so I called Halifax today to complain & find out where it is, however as they aren't quite over their 3 week time limit they didnt want to know! So basically I have to call back in 2 days... (read more)
Written on: 24/08/2012 by marebito (2 reviews written)
You can not make a payment over the phone or online unless it is with a Halifax bank account. This is the most irritating feature I have encountered in any credit card. None of the customer services reps were able to explain a reason for this. I can only assume they want to be as restrictive as possible in the hope that annoying people is likely to get them to open an additional account with the object of their frustration. A baffling theory. It also makes it difficult to close your account... (read more)
Written on: 15/06/2012
Having applied for a credit card through Halifax over 2 months ago and 5 phone calls to customer services and another visit into the bank I have still not received it! They keep saying 10 days until it arrives that has happened twice now and today they are saying they don't have my I.d!!!! So I will have to wait another 10 days!!! Awful service, do not use Halifax!! (read more)
Written on: 28/05/2012
I have had the card for 3 weeks and am still waiting for my user name to arrive so I can access online banking. I have had to phone them three times to try and sort this out and the average wait is 10 minutes before you get through to someone. Although the advisers are helpful when you do get through, the wait for an answer when you call, and the completely ridiculous practice of having a user name sent by post mean that nearly a month after I received the card I still can't operate it... (read more)
Written on: 03/01/2012 by apaterson (3 reviews written)
I've had this card for a number of years and, like other reviewers, became increasingly disatisfied as interest rates rose without reasoning ( remember that the Bank of England base rate is 05% and they are charging an interest rate in the mid 20's) and accessibility of payment system was reduced. Was temporarily on a reduced payment scheme due to illness which they kept forgetting about and insisted that arrears were due each month to which I had to respond to remind them of the plan in... (read more)
Written on: 01/03/2011
I have recently read other reviewers comments - most of which I agree with and would just like to add one more - watch your pay-by date - I was on interest free for 9 months deal and after 5 months of consistent date - they brought the date forward by 5 days. No reason, no warning (I diary all my payments) and the following month it was back to normal. I missed the date (paying in on the day rather than before) - was charged late payment fee and interest and interest ever since - I really... (read more)
Written on: 10/02/2011
I've had this card for some years now and use to use it quite often with a good credit limit. It was handy to pay online which you could do using any major debit card ... that was until Halifax updated their website and took the option away. You can pay online, but it must come out of your own Halifax current account. If you do not have funds in the current account, then you either need to send a cheque in the post which could get lost, phone them with debit card details (Indian switchboard)... (read more)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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.
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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)
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