egg credit card reviews | Watch This Item.

Average Ratings
Customer service2.2/10 Based on 26 ratings
Value for Money2.8/10
Reviewer Rating2.3/10
Overall Rating2.6/10 Based on 75 ratings

View Last 6 Months Only

21% Recommended14 out of 67 Reviews
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67 Review Centre Egg Credit Card Reviews

  • Full review by
    Guest.
    on 24th Jun 2009


    User Rating : 0
    Respect : 0

    While sucked in by the 0% transfer like many others I hadn't until the recession hit counted on being double charged and facing customer service who say one thing and don't do it. I was double charged (2 x £16) for being over my limit over two months even though I made a one-off payment as soon as I was able in the 2nd month to bring my balance below my limit. Online customer service was responsive and agreed to refund the charge within 5 days. It's over 20 days later now but they haven't as yet refunded the charges they said they were going to. As a result I have been charged again, because having been told to make a one off payment to ensure I didn't go over the limit again, and they not having refunded the charge, now means I have another charge to pay. I am still in dispute with them, it's an ongoing struggle, they may come through in the end but at this point in time, with work being scarce- being overcharged and double charged isn't exactly helping me manage my money or credit rating. So frustrating that these people have a say in my credit rating. I will not have another credit card after this is paid off. I manage my money down to the pennies at the moment so this sort of thing makes life that much more difficult. I am now overlimit again and have been charged AGAIN because they didn't do what they said they were going to do. I am keeping my fingers crossed that my latest plea to customer services will actually be listened to and actioned. I would also argue that the rate you think you are getting on the Egg credit card does not match up to the rate you pay for cash advances or for purchasing merchandise...the interest is phenomenal. I had to use the card in an emergency and am now paying many times over for it. I guess it's the same situation for most credit cards but it's definitely not been made any easier with their overlimit charge shenanigans.
    Guest's review and ratings     | 353 words

  • Review by
    Guest.
    on 16th Jun 2009


    User Rating : 0
    Respect : 0

    I have been a customer of Egg for many years now, both with a loan and a credit card. I am reviewing my finances at the moment so checked my online statement for my loan. I have just discovered that they have added payment protection insurance even though I said I didn't want it and have a letter from them to confirm this. This is an extra £2133.45 on an initial loan of £5000. Have just emailed and await their reply...... The credit card I have from them is even worse. They have rec ...
    Guest's full review     | 177 words

  • Review by
    dashap
    on 15th May 2009


    User Rating : 0
    Respect : 0

    I have been customer with egg for 2 year, and when I found our that I had fraud on my card I reported immediately, however egg has never came back to me. Customer service is terrible. Also, the only one way to communicate to egg is by the phone and the call will cost you a lot
    dashap's full review     | 56 words

  • Review by
    Guest.
    on 8th May 2009


    User Rating : 0
    Respect : 0

    Absolutely useless. I've been a customer with Egg Credit Card since they launched. They used to give a good interest rate on savings and a decent rate on they're EGG card. Since being taken over by the CITI group, EGG has gone down the toilet. My card is constantly being blocked even thought my credit limit if five figures and my salary 6 figures. They obviously just want bad repayers who they can bleed dry.
    Guest's full review     | 93 words

  • Review by
    Guest.
    on 3rd May 2009


    User Rating : 0
    Respect : 0

    I have had a Egg Credit Card with egg for nearly 4 years and never missed a payment even when I was off ill. I recently tried to initiate my payment protection. Nightmare have been trying to sort this out for 9 months now they will take money for this but don't want to pay when it's needed.
    Guest's full review     | 61 words

  • Review by
    Guest.
    on 24th Apr 2009


    User Rating : 0
    Respect : 0

    Egg started off well, as a new internet provider I used them for both my credit card and my car insurance and they were extremely competitive. Since then they have become what I can only describe as money grabbing and verging on irresponsible lenders. They recently raised my interest rate on my credit card from 16.9% to 21.9%, despite the fact that I was within my limit, and in the 6 or so years I've had the card I've never once gone over my limit and have always made payments on time. Sometimes ...
    Guest's full review     | 192 words

  • Review by
    Guest.
    on 23rd Apr 2009


    User Rating : 0
    Respect : 0

    Egg Credit Card draw you in by good rates and promotional offers, but if you spend 1 penny out of the promotional period, they hit you with huge rates, forget all promotional agreements and do not want to know you. Be very very carefull, you have been warned.
    Guest's full review     | 47 words

  • Review by
    Guest.
    on 23rd Apr 2009


    User Rating : 0
    Respect : 0

    Egg Credit Card draw you in by good rates and promotional offers, but if you spend 1 penny out of the promotional period, they hit you with huge rates, forget all promotional agreements and do not want to know you. Be very very carefull, you have been warned.
    Guest's full review     | 47 words

  • Review by
    Guest.
    on 11th Apr 2009


    User Rating : 0
    Respect : 0

    Interest rates on my savings are down 91%, IR on my Egg credit card is up 55% and i have a job now.
    Guest's full review     | 38 words

  • Review by
    Guest.
    on 27th Feb 2009


    User Rating : 0
    Respect : 0

    I was one of the people who joined up with Egg in their early days and have to say that the transformation has been staggering.The rate of decline in customer service levels has been matched only by a increasing hike in interest rates. I have a had a couple of very difficult years financially but have continued to meet payments by direct debit. My reward for struggling by is a new interest rate of 26.9% and the introduction of a new 'revolving balance' minimum payment obligation. This has incre ...
    Guest's full review     | 129 words

  • Review by
    paulrb
    on 30th Dec 2008


    User Rating : 2
    Respect : 0

    I have had an Egg credit card for about 3 years. Mostly it has run along OK during that time, with just the usual minor irritations of seeing introductory offers inviting people to run up debts they can't afford that existing customers then pay for with their much higher interest rates/charges - but that is just the usual bankers folly that has led the UK economy to its current pretty pass! On my most recent statement, however, I found that although I had as I thought cleared the balance (£ ...
    paulrb's full review     | 329 words

  • Review by
    Bakey
    on 30th Sep 2008


    User Rating : 0
    Respect : 0

    I have had an Egg card since they more or less started up and they seemed to be members of the human race. I have never once in this time gone over my credit limit, or not paid them. I have cleared my account in full on several occasions and made every effort in these uncertain times to pay off more than the minimum amount every month. Now I don't use the card, I simply pay off the balance monthly.Unfortunately in the past year I have had some personal financial difficulties and have had numerou ...
    Bakey's full review     | 322 words

  • Review by
    Lucy Daws
    on 29th Sep 2008


    User Rating : 0
    Respect : 0

    I used Egg to balance transfer from a couple of other cards. I was told the limit I could transfer. I made my first payment by card and set up a direct debit for consequent payments. Then looked forward to a year of hassle free 0% payments. Boy was that a mistake on my part! After paying the first payment I thought I had a bit of money to spend which I needed for petrol - my card was declined. I rang Egg who told me I was maxed out due to the high interest I was paying on my card - eh?? It turn ...
    Lucy Daws's full review     | 296 words

  • Review by
    Guest.
    on 23rd Jul 2008


    User Rating : 1
    Respect : 0

    Changed my interest rate to 19.9% without warning so low and behold pushed me back over my credit limit and charging me £16. I paid what they asked me to pay and and monthly instalment, still did it. Sent many messages, had to ask for a response, when I did get one back it seemed very bog-standard! Called to speak to an advisor and was left on hold for 25 mins (obviously not freephone) after I was locked out of my own account so I can't even access my account to move my balance off this c ...
    Guest's full review     | 94 words

  • Review by
    MrsAB
    on 17th Jul 2008


    User Rating : 1
    Respect : 0

    Appalling customer service. My Egg card was used fraudulently. It has taken Egg since November to sort it out (it is now July). They then closed my account because I had been delinquent for 120 days. At no stage did they write to me to inform me that my account was delinquent - they relied on emails that I never received. My credit rating was totally messed up for months. You cannot get the same answer twice from their "customer services" and getting hold of the fraud desk is nigh on impossible. ...
    MrsAB's full review     | 123 words

  • Review by
    graham698
    on 17th May 2008


    User Rating : 1
    Respect : 0

    I requested that Egg close my credit card account 2.5 months ago. So far they have not carried out this instruction. I have sent them about six separate messages asking them to do this and each time I have received a response indicating that the account will be closed. They initially said "it should take 17 working days", which seemed a long time, But they have failed to even make this time frame. A month ago they told me it had been closed, but I logged on and it hasn't. So far it has been in ...
    graham698's full review     | 126 words

  • Review by
    Guest.
    on 3rd Apr 2008


    User Rating : 0
    Respect : 0

    Absolutely appalling service. I have been with Egg for about 10 years with a salary which is currently £50k I always paid the full balance each month and have an excellent credit rating. However Egg have just cancelled my card.
    Guest's full review     | 40 words

  • Review by
    TX4
    on 5th Mar 2008


    User Rating : 0
    Respect : 0

    My interest rate went up from 16.9% to 21.9% with an outstanding balance of 9k on my Egg Credit Card. Without any explanation whatsoever. They waited until the balance reached this level before putting up the rate even though I had never missed a payment and had paid off the balance in full on several occasions. For a period I was unable to pay off the balance in full as planned and made minmum payments only. This interest rate made it very difficult to make any difference in the outstanding b ...
    TX4's full review     | 113 words

  • Review by
    duncan197878
    on 28th Feb 2008


    User Rating : 0
    Respect : 0

    Could someone please answer this? When i had a bank account with clydesdale bank a few years back after an argument with them i said for them to close the account. Now i was told by the bank that as long as i had due debt they could not close the account until the debt was paid IN FULL as for them to close the account before the debt was cleared they would be cancelling the due debt!!!!!!!!! in other words if YOU cant close an account with a card or bank or the debt is cleared then why is the ...
    duncan197878's full review     | 144 words

  • Review by
    Guest.
    on 27th Feb 2008


    User Rating : 0
    Respect : 0

    Egg cancelled my card because I was not making them enough money. It seems there have been a lot of people with good credit ratings having the same experience. 7% of their customers have been told they are a 'credit risk' when they are quite clearly not. If you are one of the 7% I'd take it as a compliment that you know how to manage your finances, Egg is only interested in those who don't.
    Guest's full review     | 74 words


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