Santander Credit Card

this is the worst card ever, charges, requires you to file a complaint with the states Attorney's General's Office. They do not return phone calls, and trash your credit rating report.

They are rude, and incompetent. dealing with these people is too painful to explain.

Avoid this card like the plaque.

unless you enjoy repeating your SS and date of birth, many times and

answering all your deposit history and charges for the past thirty days

you have been warned

Also there a re many other cards with better rewards

Removed 770,000. 00 and closed all accounts

The application process is online but then you need to send paper copies of documents by post to complete the process! This requires considerably more work on the part of the applicant and is significantly slower! So, I then decide to withdraw my application - but there is no process for doing this and I am told to wait until the application lapses because I have not sent in the requested documents! This is a joke and if this is how Santander try to 'attract' new customers, goodness knows what other archaic processes are in place when 'looking after' existing customers! I have tried calling to give feedback but gave up after waiting for ages with intermittent recorded messages about them being busy. My advice is DO NOT APPLY FOR A SANTANDER CREDIT CARD. There are plenty of other providers, for example, HALIFAX, who offer an extremely efficient, fast and entirely online application process, and the same sort of benefits and promotional rates.

I have had this Santander credit card for 9 years and the previous bank card for twenty years before it was bought out by Santander. I pay my credit card balance off each month. I notified Santander that I would be out of the country for ten days on vacation. Before I left, we sent the balance of the credit card by check through the US post office.

The check was written for three dollars less than the total due.

When I arrived back in the US and attempted to use my credit card it was declined at the airport. I attempted to phone Santander by phone to resolve this issue and was refused access to any information because I did know my exact number of credit limit, even after I furnished my social security number, date of birth, and address.

After I arrived home and found by exact number of credit limit, I called back. Because the check was written for three dollars less than the total due, Santander had closed my account and reported that it would be five days before it could be reopened.

During that time all of my automatic withdrawals for bills were being rejected, including the large travel credit charge I had made. I know this going to affect my credit, but there is no address to write and no one of supervision to override this action by the bank.

This is a Spanish company being operated in the US with rouge workers that has no oversight. I will be finding a new credit card company.

As a Santander 123 current account holder with £20k plus in balance to take full advantage of the interest rate offered I thought the 123 credit card could increase my monthly benefits. I spend between £2k and £2.5k per month on my current card and the 123 calculator showed an impressive yield based om my spend. Sadly when I received my card I was given £500 credit limit so benefits are minimal and much less than predicted. I've had many cards over the years with credit limits of £20k plus and I have a perfect credit rating but still Santander decided to give me the lowest credit limit I've ever been offered in 30 years. As current customer I might have expected better. I pointed this out to customer service and was told I'd have to appeal in writing by post. Since every other element of the application was on-line I can only assume that they want to make it as difficult as possible.

Not long ago, Santander took over the store card I had taken out with a company. One month there was a mix up with the store over a non-payment ( it had been paid) and everything was resolved quickly. A while later Santander took over the agreement. And a little later after that, I registered with a credit company to check my credit rating.

Santander had registered the late payment - even though it wasn't a late payment. I disputed this and asked for the information to be reversed. Santander refused and wrote incorrect information in a letter to me. No contact and no telephone number. All I could do was write back with the evidence I still had to show they were incorrect. They were having none of it. Several letters later I gave up.

The claimed late payment did not affect my rating all that much, but the experience left me fuming as I was in the right and they were being unhelpful. Subsequently I moved my mortgage from them. I cannot trust a company that is unwilling to help customers and write lies to avoid doing the right thing. Awful experience. Never trust them again.

I took advanatage of the 0% balance transfer rate for the Abbey Zero credit card but when i requested the account be closed I then discovered I was actually in credit due to Abbey mistakenly taking another payment from my (Abbey) bank account. Easy to transfer back? You'd think but not with my experience it hasn't been!!! I have spent months trying to get the money back, the agents are incompetent, give incorrect advice, lie to me that they have transferred the money, cut me off when i request to speak to a manager. it has been a nightmare & despite having just spent a further 4 hrs on the phone, is still not resolved!!

Absolutely awful service. Applied by post for an abbey pink credit card, heard nothing for three weeks, rang them up and they said they had not received anything. The lady said you can complete the application over the telephone which i did. Two weeks later recievd the pin and following 3 days got the card. originally took the card out to do a balance transfer off another card, this was originally logged in the first postal application. Due to the fact that this had been lost i did the balance transfer over the phone again when i received the card. Checked the barclaycard 2 days later to find that the balance transfer had already been done fron the first application that Abbey said they never had. Therefore they processed it twice without telling me it had already been done. Have now been waiting 4 weeks to try and get the funds back from the other card provider. Everytime you ring in they say its been looked in to but this has been going on for ages. Now have one credit card in credit and one with a double balance that i am now having to pay off whilst they are sorting it out. Also tried to set up the online banking part of the card which you have to telephone through for and got cut off each time. Shocking service, don't recommend at all!!

Abbey Pink Credit Card have an appalling customer service. the worst i have ever experienced in my entire life. no exageration. would avoid like the plague.

Appalling - doesn't seem to or want to accept the requirements of the Consumer Credit Act over the jointly and several liability with retailers in the case where things go wrong. I ordered stuff off the internet that failed to materialise after 28 days and I could not contact the supplier as there was no telephone number on the suppliers website, only an email address, which they never responded to. The address was a PO Box number. I disputed the transaction with

Abbey Zero Credit Card who refused to accept the dispute because I hadn't talked to the supplier. I explained why I could not talk to them and the supplier wasn't responding to emails but Abbey Zero still refused to accept the dispute saying it wasn't valid. I explained that under the Consumer Credit Act, Abbey Zero had joint and several liability with the supplier if anything went wrong, but Abbey did not budge, they just said the dispute was invalid. I just ended up going around in circles. About 60 days later, my goods turned up (got lost in the courier's warehouse apparently!), which resolved the issue, but not happy with Abbey Zero. Seemed to be very sharp practices going on refusing to accept a dispute when they are under an statutory obligation to do so when things go wrong.

I have a direct debit for my card to cover minimum payments. I just wanted to make an additional payment. The only way they would accept this was for me to physically walk into a bank.

As my account was not in arrears they would not accept a switch payment. In this day and age to be told to go to a branch with a giro slip is silly. They simply don't seem to want the card paid off.

I've transferred the balance.