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The only reason I applied for this card was the scheme they offer whereby for every pound you spend on it a certain amount goes toward the MCFC Academy, which I thought and still do think is a good idea. What I don?t think is a good idea is the £25 late payment charge they hit me with when my cheque went missing in the post. I have regularly spent £1000 - £1500 per month (and sometime considerably more) on this card in the 10 odd months that I have had it and paid my bill off, in full, EVERY single month and have never been late before. Through no fault of my own my cheque never arrived with the Halifax in time and despite my protests that this was clearly a postal problem they would not waive this penalty charge. The customer diservice person to whom I had the misfortune of speaking said that despite the fact I am a good customer (and clearly a profitable one for them) that this was their policy and they cannot do anything about it. Not only this but unkown to me they had 'Locked' my account and not bothered to tell me yet (a letter informing me was in the post, maybe it was lost in the same place as my cheque ??) This would have been very embarresing if I had tried to use it. All this despite the fact that I have never been late with a payment before and clear my account every month remember. End result ? I will be cancelling the card, taking my business elsewhere and will take pleasure in cutting the card in two. So the moral is, unless you are willing to bet £25 a month that the post will get through, don?t get one of these cards Nice, one Halifax ? own goal I think ?