Bank of Scotland card - never again

mat5664

I successfully applied for a BoS card a year or so ago. Used most of the limit for a balance transfer but also used the card for purchases.

Within 2 months they kept lowering the limit every time I made a payment. After 4 months they lowered the limit to below my actual balance and then told me I was over the limit!

Now the final straw - with my 0% deal coming to an end, they have sent me a letter saying that 'after reviewing my file' they were putting up my standard rate to 26.5%.

Needless to say I have declined the rise so I can't use the card further.

I have never had such an experience with a card. It's not as if I have ever missed any payments on this or any other card. No idea why they bothered accepting me for credit if they are going to behave like this. Poor.

jo-bo

I've had the same with Halifax, they drop my limit every 4 months and then keep offering me balance transfers!

vlad

I have a halifax card,with 2 different aprs,8.9% and 2.9% they haven't changed since they gave me the deal,in the summer they wrote suggesting i should make more then the min. payment,which i know is a good idea but rarely do,then last week they inc my limit from £4k to £5k

Colin_1_2

RBS went bankrupt, what do you expect?

System

Any other nuggets of information?

Bank of Scotland and RBS are no more related than Barclays and HSBC.

Colin_1 wrote: »

RBS went bankrupt, what do you expect?

Caz3121

Colin_1 wrote: »

RBS went bankrupt, what do you expect?

RBS have nothing to do with BoS, they are part of different groups
BoS and Halifax are part of Lloyds Banking Group
RBS is Royal Bank of Scotland and linked with NatWest