Halifax credit card does not show closing balance online

Claphambusrider

I've had a Halifax credit card for 10 years. Used to receive a monthly email showing Statement Date, Minimum Amount Payable, and Closing Balance, as well as other stuff. So when I was away I didn't need the Statement delivered by the postman, I could go online, see what I owed, and pay up.

A year or two back Halifax stopped sending that email. Now it sends the bill by post; no doubt some may prefer that, but it's neither convenient nor secure for me - I'm away a lot, my mail lies around, anyone could get it before I do. But that's not the problem.

While I'm away I go online to my Halifax credit card account at least every month to check how much I owe.

There's lots of info there, but can you believe it, NOT the most important bit, namely the closing balance that I'm owing! Nowhere! So I don't know how much to pay! I see the Statement date, the Payment due date, the Minimum amount due, even a total some of which won't be due for 59 days, but nothing to show what I'll actually owe Halifax on the Payment due date.

In other words my account shows a bill is due, but not how much I must pay to settle the bill. Is a bill a bill if it doesn't show how much it's for? A little inconvenience in the greater scheme of things, but maybe another sign it's time the banks are reformed?

Mrs_Boo_Boo

Thought it was only me!!!
Have just taken one out and have not quite got to grips with it.
Used to struggle a bit with the Nationwide one too.
Why can't it just say you need to pay this and when. When I asked about having an online bill only I was told this was not possible. Nationwide email me and let me know there is an online one issued.
Also Halifax are much slower with putting payments on,although doesn't bother me as I am on the ball with it.
I know others will advise to set up a standing order,but my husband is self employed and sometimes I need the flexibility to pay it off when I want to.

virgo17

This has been commented on several times before and is a constant source of annoyance to many people, myself included. I'm in Europe at present and need to add up my transactions with a calculator so see how much I have to pay by faster payments to my Halifax Clarity card.

It seems to be a deliberate ploy by Halifax as Lloyds TSB credit card, which uses the same on line software and interface, shows the actual amount owing every month. Although the Halifax and Lloyds pages are identical, apart from colour, the amount owing does not appear on the Halifax page.

aleph_0

virgo17 wrote: »

This has been commented on several times before and is a constant source of annoyance to many people, myself included. I'm in Europe at present and need to add up my transactions with a calculator so see how much I have to pay by faster payments to my Halifax Clarity card.

It seems to be a deliberate ploy by Halifax as Lloyds TSB credit card, which uses the same on line software and interface, shows the actual amount owing every month. Although the Halifax and Lloyds pages are identical, apart from colour, the amount owing does not appear on the Halifax page.

I'm not sure I agree. I think (a variant of) Hanlon's Razor applies here:

Never ascribe to malice that which is adequately explained by incompetence

virgo17

aleph_0 wrote: »

I'm not sure I agree. I think (a variant of) Hanlon's Razor applies here:

It is your prerogative to disagree, but better to know the facts.

I have both a Halifax and Lloyds TSB credit card. When I contacted Halifax to ask why their web page did not show the due balance whereas the Lloyds one did, they replied that it was a 'Halifax' decision not to show same.

Macca83_2

There is a way to view your closing balance. If you click on your credit card you are taken to the cards most recent transactions. If you click on previous statement right in the middle of the page it Will take you to your closing balance..including the minimum payment and when its due. Its not that user friendly.

rb10

virgo17 wrote: »

It is your prerogative to disagree, but better to know the facts.

I have both a Halifax and Lloyds TSB credit card. When I contacted Halifax to ask why their web page did not show the due balance whereas the Lloyds one did, they replied that it was a 'Halifax' decision not to show same.

Just because someone in a call centre said that's the case doesn't make it true.

It's my understanding that the new Lloyds/HBOS online system has had difficulties in showing credit cards ever since it was introduced. They said publicly at the time that it was their intention to improve it over the following 18 months.

It certainly appears to be a system constraint rather than a deliberate ploy to hide your balance.

virgo17

rb10 wrote: »

Just because someone in a call centre said that's the case doesn't make it true.

You know the old saying about assumption?

Then we will have to agree to disagree. My information came from the manager of my local Halifax branch. A number of people who manage their cards on line had asked her this question, which she pursued with her immediate superior.

rb10

virgo17 wrote: »

You know the old saying about assumption?

Then we will have to agree to disagree. My information came from the manager of my local Halifax branch. A number of people who manage their cards on line had asked her this question, which she pursued with her immediate superior.

Exactly - most branch managers (or even area managers) at Halifax don't have a clue what decisions are taken at head office and why. I'd be very surprised if it actually came from any concrete information.

Call centre or branch, it's still a different person to the ones who actually make the decisions about internet banking.

jen245

I thought it was to do with the fact that Halifax credit cards still run off the old Halifax system, and havent actually been migrated to the Lloyds system, thats what i was told anyway

virgo17

rb10 wrote: »

Exactly - most branch managers (or even area managers) at Halifax don't have a clue

It's obviously a waste of my time to respond beyond this. You have your own viewpoint which you appear to be quoting as fact, as quoted above. OTOH my information was intended to be informative and benefit the original poster and was obtained from Halifax themselves.

Yes, HBOS did have and continue to have issues with their IT implementation. However, perhaps you could explain to the other readers why the same software, running on the same servers is configured to provide a different display to Lloyds customers than to Halifax customers?

Unless you can actually provide factual information, rather than your opinion, it will be of little use.