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Credit card with UK-only call centres?
sianny78
Posts: 6 Forumite
in Credit cards
Can anyone help with a list of credit card companies that use only UK-based call centres (apart from Nationwide)?
I've had some poor experience with Barclaycard of late (but also other non credit card companies) where you get put through to a call centre abroad and 99% of the time the people on the other end of the phone are utterly useless. They tend not to properly listen to what the issue is, instead picking up on 'keywords' & giving some generic response which is irrelevant; they are often rude; most of the time they give you completely incorrect information so you end up having to call back again anyway. It's all so infuriating :mad:
I'd ideally like to swap all the services I have to companies that only use UK-based call centres, though this is easier with some services than others. I'd like to start with the credit card so any help in that regard is much appreciated.
I've had some poor experience with Barclaycard of late (but also other non credit card companies) where you get put through to a call centre abroad and 99% of the time the people on the other end of the phone are utterly useless. They tend not to properly listen to what the issue is, instead picking up on 'keywords' & giving some generic response which is irrelevant; they are often rude; most of the time they give you completely incorrect information so you end up having to call back again anyway. It's all so infuriating :mad:
I'd ideally like to swap all the services I have to companies that only use UK-based call centres, though this is easier with some services than others. I'd like to start with the credit card so any help in that regard is much appreciated.
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Fruit_and_Nut_Case wrote: »Even some UK ones work from a script.
Indeed they do, but they at least seem to be able to better understand when I try to tell them that what they're saying isn't answering my question.0 -
Indeed they do, but they at least seem to be able to better understand when I try to tell them that what they're saying isn't answering my question.
You reckon?
Vanquis and Creation are 100% in land. Vanquis are the worst, they don't understand how the most basic functions of a credit card work and lie through their teeth about all sorts.
Creation aren't quite as bad but their staff are woefully unskilled in doing their job. They often offer incorrect / inaccurate advice, or don't follow their internal process resulting in things they claim will be done, not getting done, or taking a plain rediculous amount of time.
I ended up closing my Creation Sygma cards due to their repeated incompetence - the icing on the cake was a PIN reminder that I'd requested in September arriving after I'd paid off and closed my Silver card at the beginning of this month!
Absolute joke...Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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Halifax.
Bank of Scotland.
Lloyds TSB.
RBS.
Nat West.
First Direct.
Co-op Bank.
I don't doubt that there are others.0 -
As above plus Royal bank of Scotland/Nat-westI have a deep burning indifference0
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opinions4u wrote: »Halifax.
Bank of Scotland.
Lloyds TSB.
RBS.
Nat West.
First Direct.
Co-op Bank.
I don't doubt that there are others.
MBNA issued cards i.e. Virgin amongst several others
Marks and Spencer0 -
How many times do you telephone the customer service a month?
I don't use the customer service some times for a year or two.
If I was you I will go for the card which give you best reward if you pay in full every month or with the lowest apr if you don't.
How to use the card operating manual is ver easy.
1. Get the card
2. Once received active it
3. Do balance transfer if need to.
4. Keep the card with you and use the card when required. Don't go over the limit.
5. Once a month you will receive the statement by online or post.
6. Check the statement to make sure it is correct. If not you do need to telephone the customer service however 99.99% of the time it will be ok
7. Pay in full or at least minimum by the due date. This can be either by DD or at the bank or online.
Go to number 4 for the following and ever month until you have the card.
As long as you have followed the steps from 4 to 7 every month you will not need to use the customer service or pay the charges. If you set up the DD for minimum payment than you will not occur a charges.0 -
... They tend not to properly listen to what the issue is, instead picking up on 'keywords' & giving some generic response which is irrelevant; ... .
It's interesting that you've noticed this. Some call centres use computerised 'voice recognition keyword spotting'. So it would be the computer that is picking out the keywords that you are saying, and guessing what you are asking - and it picks the best scripted answer from its database and displays it on the agent's screen. Then the agent reads it out to you.
Perhaps Barclaycard are using this. (If so, it doesn't sound like it's working very well!)0 -
It's interesting that you've noticed this. Some call centres use computerised 'voice recognition keyword spotting'. So it would be the computer that is picking out the keywords that you are saying, and guessing what you are asking - and it picks the best scripted answer from its database and displays it on the agent's screen. Then the agent reads it out to you.
Perhaps Barclaycard are using this. (If so, it doesn't sound like it's working very well!)
I don't think it's some, nearly all do that. What to answer is shown on the screen.0 -
Nationwide has call centre in UK.0
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