Intelligent Finance Credit Card Reviews

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1.7 stars
Average rating for this product is: 1.7 out of 5

From 0 ratings and 5 reviews

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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%

Average Ratings for Intelligent Finance Credit Card

  • Customer service0.9 stars
  • Value for Money1.7 stars
  • Overall rating1.7 stars

 

5 Reviews For Intelligent Finance Credit Card

  • magnetik Rank: Corporal 12th Nov 2008

    Reviewer rating: 0.5 stars


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    Good Points: None.


    Bad Points: Bad service, terrible internet banking.


    General comments: I am a long-time IF customer. Initially they were quite good but today they are one of the worst banks I have ever experienced. Their internet banking website doesn't seem to have been updated in nearly five years and is a complete pain to use. When Halifax took over IF they changed their credit terms. Customers were meant to receive a new credit agreement to sign and return. I never received mine, nor was I notified about the change, and as a result they froze my credit card. This also happened to a friend of mine also using their "service".Making payments on your card is horrendous. Last time I made a payment it had to be done through WorldPay. What kind of bank can't even incorporate debit card payments into their own internet banking? There's also no option to make payments directly from your IF current account.Warning, do not ever use IF. They have gone from a fairly good bank to one of the worst imaginable!

  • ihatehalifax Rank: Lance Corporal 4th Apr 2007

    Reviewer rating: 0 stars


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    Basically the Intelligent Finance site doesn't work.

    I work in IT, so it's not that I don't know how to use it. Every other online banking site I have ever used -- NatWest, HSBC and Egg are much more reliable and easier to use.

  • joeburton Rank: Staff Sergeant 8th May 2006

    Reviewer rating: 3.5 stars


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    The IF credit card has a good APR and good Introductory 0% balance transfer and purchases. I paid my card off in full each month, but by mistake I missed one payment date, and they dropped my credit limit by about half. I thought this was harsh, as I had paid all my other months off in full. They could have sent me a reminder and not dropped the credit limit!!

  • kaldeep Rank: Corporal 13th Feb 2006

    Reviewer rating: 0 stars


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    Based on personal experience. I took out a one account with IF and an IF Credit Card. Without reason or warning the bank froze my savings for alegedly missing one payment, then sent my account straight to debt collectors without any opportunity to pay off the ammount - then charged me £1000 for sending the account to deby collectors. I would avoid IF like the plague.

  • clerki01 Rank: Lance Corporal 19th Jan 2004

    Reviewer rating: 4.5 stars


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    www.if.com offer a good Visa card with lowest of rate for purchases and cash
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%