First Direct Credit Card Reviews

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
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%
MBNA Platinum Rewards Visa0.00%3 months13 months 2.90% fee3 months15.90%

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1 Review For First Direct Credit Card

  • tonycole Rank: Corporal 15th Apr 2008

    Reviewer rating: 0 stars


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    Good Points: Ties in nicely with the other firstdirect offerings - trendy card


    Bad Points: Poor and slow service
    Frequent "irregular spending" checks
    They stop BOTH cards (and your switch card sometimes) when they suspect "irregular spending"
    When I complained I got told to accept poor (slower) service as HSBC and First Direct made the decided to outsource security overseas


    General comments: I used to think First Direct was really the bees knees of banks.

    We have our banking, saving, mortgage and my credit card with them. However we are looking to move my credit card from them because for some reason every few months they stop the card due to "irregular spending" for security checks.

    We have an £8k or so limit that we pay off in full every month so maybe we are not the kind of customer they want.

    The security checks and embarrassment of a card that doesn't work alone are not the main issue. When it takes so long (expect to lose an hour) to get though to their security departments who do not always manage to clear it first time it does become a joke. I thought that outsourcing should be used as a way to improve service not to lower it.