Having got used to shopping using credit cards, it has become one of my best friends! For years I was just a joint holder with my partner in credit cards. But alliance Leicester card was one of my first successful credit cards. I was looking for a good credit card with cashback but I wasn't getting any good one for my salary range. That's when I was introduced to this card. I had a current account with A&L then and they called up with the offer of getting a credit card in alliance with the account. Their cashback offer was not bad too. It is almost like 0.5%. Initially it was very confusing as they have the points system which has to be redeemed either for ...  Read the complete review

I've had an Alliance & Leicester card for several years and am about to cancel it. Anything out of the ordinary and they just can't cope. As I'm away at least once a year when a payment will fall due I send a cheque with credit card number, name and address on the back with a message, (on back of cheque so that it cannot be detached), that this is a 'payment against (month)'s statement.' I've done this three times now and each time I've received threatening letter alledging that my account is in arrears and transactions and money-back facilities will be withdrawn. Each time I 'phone them and inform them of what I have ...  Read the complete review

I am very very picky when it comes to my finances, especially credit cards. For a start I don't want to pay an annual fee. Plus, I expect my credit card company to pay me for using it - which is exactly what A&L do. Before getting my A&L card I was with HSBC, saving points to buy a tiny range of unattainable goods (I once worked out you had to spend something like £30,000, just to get a toasted sandwich maker or something equally ridiculous). With A&L, they give you cash!! AND you don't have to pay anywhere near £30,000 to get that toasted sandwich maker. Even better idea, go and buy that toasted sandwich maker and get moneyback on it. But ...  Read the complete review

It is not very often that a bank or building society gives you something for free, but here it is........... If you don't need a credit card for credit purposes then get this card. This is the consumers chance to get back at those greedy money grabbing institutions. My advice is for those that can afford to pay the bill off every month is to get one of these cards. For each purhuse you will earn a cash back of 0.5 %. If you purchase items over a total amount of £3000 it rises to 1%. Certain 'money back partners' which include companies like Currys and Index will enable you to a greater cash back. But if you don't pay off your ...  Read the complete review

There are not many free lunches in the world, but having a money back credit card pretty close. They still make their money by charging the retailer. However, having them pay some of it back to you is better than nothing. I’ve had an Alliance and Leicester MoneyBack card for 2 ½ years now. It’s a Visa card that pays 0.5% back on the first £4000 that you spend in a year, and 1% back on spending after that up to a limit of £20000 a year. You get double the rate at a few places (Currys, BP petrol stations etc) and a few other offers. This is reasonably competitive. You can get a flat rate of 1% money back from the credit cards from Morgan Stanley Dean ...  Read the complete review