Alliance & Leicester Credit Card Review

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Alliance & Leicester Credit Card
★☆☆☆☆
1.4
From 9 reviews
11.0% of users recommend this

  • Customer service

  • Value For Money

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bacchae's review of Alliance & Leicester Credit Card

“I have been with the Alliance & Leicester bank and ”

★★☆☆☆

written by bacchae on 03/04/2004

Good Points
Cash back
Improved internet service

Bad Points
Part of MNBA

General Comments
I have been with the Alliance & Leicester bank and credit card for over 10 years, but I am about to cut up their credit card.



They have recently sold out to MNBA and it shows.



In the past, I have had overdue charges refunded out of sheer customer relations from Alliance & Leicester but now I feel as if you are a number and nothing more.



I have started getting telephone calls offering to put money in my bank by creating a debt on my credit card. I am ex-directory and always ask not to be contacted by any company I deal with. I can only assume MNBA do not think that this applies to them. I am not talking about one call but three in the space of a week.



The internet service is good and if it was Alliance & Leicester still I would stick with the card. But MNBA seem to have a method of working that I find unpleasant. They have always had a reputation for giving ANYONE a credit card and their insistance on wanting to give me money that I don't want or need seems to prove the point.

  • 1 year and over

    Used card for

  • Yes

    Loyalty scheme

  • Customer service

  • Value For Money

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Nuttysandy's Response to bacchae's Review

Written on: 25/06/2005

I have had a Alliance&Leicester Credit Card since 2001 but I am about to close my account. Since MBNA have taken the Credit Card over the interest rates have rocketed! October last year the interest rate went from 18.9% to 19.9% then in Febuary this year it went up to 24.9%.
After speaking the MBNA about this I was offered a 2% drop in interest but would have to pay £25.00 to do so. I also asked how they could justify charging so much and this is what I was told.
It could be one of the three following reasons.
1. Bank interest charges. I was quick to point out if thats the case how do other lenders provide such better deals.
2. If a customer was making late or none payment. I again was quick to point out that wasnt the reason in my case. Where I was told no I can see that as I have your details infront of me.
3. There could be something on your credit file thats made your interest charges go up. Yet again I was quick to point out there was reason for this.
I feel as if Im being penalised for being a good and loyal customer.
After reading the other comment on this site Im pleased to know its not just me who feels this way.

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