Halifax Credit Card Scam

regularsaver1

Jeez calm down - who is whining?

PROLIANT

regularsaver1 wrote: »

Jeez calm down - who is whining?

Card arrives in the post, open envelope, remove card, pick up phone, dial activation hotline, speak to human, go through security, activate card, job done! What is the problem here?

regularsaver1

Exactly!!

but many people are obviously not happy with it. and many don't bother to activate their cards having applied

PROLIANT

regularsaver1 wrote: »

Exactly!!

but many people are obviously not happy with it. and many don't bother to activate their cards having applied

But I can not understand what the beef is here, the card cannot be used until it is activated therefore both parties are protected, yea ok you get a sales pitch over insurance but we are all mature enough to say no are we not? I use the say no to 0870 web site regularly to save money on call's but so what if you cant get a geographical number for card activation, it is a no brainer really, it is a one off sort of thing. What ever next, are people going to start complaining for having to pay for their shopping!

regularsaver1

if you use your halifax card online they have that new Halifax secure thing .... for a reason. and people moan about that!

There should be no attempt to sell insurance (Credit Card Repayment Cover) over the phone if the card has been applied for in branch as in the branch the adviser gives advice on insurance, where as on the phone its non advised and needs questions around protection would have already been asked.

If on the internet, it could have been that the customer did have a need for insurance, yet they didn't see anything on the application regarding it, so they can take it up at activation stage. If don;t want it just say politely.

YorkshireBoy

regularsaver1 wrote: »

What beats me is...

It will do...you work in HBOS mortgages?

...why people apply for cards and then not bother to activate the card!!?

If the card's sole purpose is a BT, then activation is often not necessary. Indeed, if the card is 'barred' then it will actually help those customers managing debt because it'll stop them spending on (potentially) a BT card.

PROLIANT

I work in IT and find that as electronic systems become more advanced and security systems become more sophisticated, there is a small community of nay Sayers who will not budge unless you kick their ar$*e in to the 21st century, and their is also a few who don’t want systems to change because it will expose their inadequacies as an individual and they will feel threatened, I say bring it on and expose the nay Sayers and upset as many of them as possible, if it changes to the advantage of the majority it changes because it is an improvement on the last system, come on now stop being sad and complaining about stuff that is not relevant.

exel1966

I have a few cards used purely for stoozing purposes which have never been activated. Upon receipt the shredder has duly been fed !

PROLIANT

011010100101010...follow the white rabbit....

regularsaver1

YorkshireBoy wrote: »

It will do...you work in HBOS mortgages? ;)If the card's sole purpose is a BT, then activation is often not necessary. Indeed, if the card is 'barred' then it will actually help those customers managing debt because it'll stop them spending on (potentially) a BT card.

I don't work in mortgages anymore YB - reshuffle in the company:P

Yeah if a BT is done then activation is not required.
But, I mean why would someone go through a full credit score, not to use the card at all? apart from your good example