Advantages: Very competitive APR Disadvantages: Credit limit reduced without warning
I was initially very satisfied with the Amazon credit card, which is administered by Halifax of whom I had no prior experience as a bank. I frequently buy books and sometimes household items on Amazon's website, so it was an incentive to earn loyalty points when using their own credit card.
As time went on, I found that the rate of interest on this card was lower than that of most other credit cards, so I began to use it more and more for balance ... ...my credit cards in full, as I am struggling to pay a mortgage singlehandedly and have an income that fluctuates considerably. Even after cutting out holidays and visits to the hairdresser, there are still dental bills and house maintenance costs that cannot be avoided or skimped on.
One day several months ago I rang up the Amazon credit card's customer services and enquired as to whether or not I was able to make a balance transfer. I did not have ...
denella 11.05.2007 (15.06.2007)
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Ciao members have rated this review on average: very helpful Review of Amazon.co.uk Mastercard
Advantages: loyalty points, backed by halfax, 0% offers. Disadvantages: only useful if you buy from amazon
After years of playing the credit card merry go round of balance transfers, 0% offers, and free gifts, it was time to cut down my credit cards.
At present I have the Nationwide visa cashback card and the Amazon mastercard.
The card was launched back last year on thier website, and I was attracted to the loyalty programe and the 0% offers.
Without going into the fine print ,these are the main features:-
Type of card Mastercard
Card administration ... ...for Halifax online accounts you can use the same login and password as your bank account.
0% for 9 months on balance transfers -up to 2% balance transfer fee.
0% for 6 month on purchases
15.9% APR
1 point for every £1 spent with Amazon
0.5 point for every £1 spent elsewhere
Once you get 1500 points you receive a £15 Amazon Gift certificate.
Applying
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On the main Amazon page you will find a small section near the bottom lefthand ...
getscenic 08.04.2006
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Ciao members have rated this review on average: very helpful Review of Amazon.co.uk Mastercard
Advantages: Rewards, use worldwide, provided by Halifax Disadvantages: None
...and more. I jumped onto Amazon.co.uk to look for a book which was recommended to me by a friend and staring at me was a banner on the front page saying "Amazon Credit Card - Rewards" I clicked in it and found the answer I was looking for!
If you would like to signup for the card, the simple direct link is www.amazon.co.uk/mastercard
Amazon Card
###########
The Amazon credit card is actually provided by Halifax. When you are taken to any webpage ... ...with the Amazon logo. It's simply a re-branded template - I'm sure there are other companies doing the same thing with Halifax. It's nice to know that the card is being provided by a big name like Halifax - after all what does Amazon know about Credit Cards?
The card itself is the standard credit card size - no dodgy designs as we all know as the mint card - yes we all remember the adverts :- ) - this Amazon one is just standard, blue with a chip ...
underworldmagic 25.03.2008
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Advantages: Loyalty points that convert into Amazon Vouchers Disadvantages: Not the most competitive rate at present
I switched to the Amazon Halifax card earlier this year, when I was looking for something lower interest - 12.9% at the time, however I believe this is now 15.9% APR. The first six months were interest free for balance transfers, and I believe this still applies. Other features:
There is no annual fee.
Fees for late payment, over the limit spending, or returned payment is £12.
APR for Cash withdrawal is 22.95%.
Interest free period up to 59 days ... ...advance fee is 2.5% or £3 min.
Not only did this card have a lower interest than my previous card, but I can collect loyalty points than can be used on Amazon. An added bonus for someone like me, who spends most of her money on books! You get:
1 point for every £1 spent with Amazon
0.5 point for every £1 spent elsewhere
Once you get 1500 points you receive a £15 Amazon Gift certificate.
I applied through the Amazon site, after doing a comparison ...
HellyP 11.12.2006
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Competitiveness of APR
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Quick review of Amazon.co.uk Mastercard
Have had a really awful experience with Amazon credit card.
- It took months to get the card after being approved.
- Their statements get 'lost in the post' and you end up having to pay a late fee, when its not even your fault!
- I found their customer service reps to be very rude.
- Their system often seems to go down causing you to have to ring back again and again on an 0845 number.
Getting this card has cost me more money than its worth.
DO NOT GET THE CARD. ...
Maria151 05.05.2007
Ciao members have rated this review on average: helpful Review of Amazon.co.uk Mastercard
Advantages: Fair APR, Amazon points Disadvantages: No further offers after introduction offer, difficult to set up internet account
The Amazon.co.uk credit card is my real true credit card (I got a Vanquis one with only £250 before), and I got it during my student days; that is before I had any real income or job. I just filled out the application to 'try my luck', and I was told online that I had been approved for a £1700 credit limit! So that is how students get into deep debts.
I got the paperwork quickly, and I just needed to sign and return it. The card arrived just days ... ...on amazon's website, you get 1 point. For £1 spent elsewhere, you get 0.5 points. And when you reach 1500 points, you get a voucher to spend on amazon. To date, I have gotten £30 in vouchers.
Everything works fine! Bills have always been on-time and correct. The APR after the promotion period is at a fair 14.9% However they will leave you out to dry after the promotion period, with no further offers.
I never really need to use the customer services ...
alvinlwh 13.04.2007
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Quick review of Amazon.co.uk Mastercard
The card is ok but like all big companies, the customer service advisors are hopeless! 8 calls & 3 emails to them and they can't be bothered to reply. Somebody found my card after I had lost it. This person phoned Amazon Credit Card office and they couldn't even bothered to get the persons identity and even worse, they didn't even call me to tell me that it had been found. ...
Victorcrazy 14.11.2007
Ciao members have rated this review on average: helpful Review of Amazon.co.uk Mastercard
Advantages: Rewards for using it Disadvantages: Impossibility of improving your account
I have been an Amazon card holder now for over a year and they set the limit very low. I have tried to have this limit increased 4 times and each time they come back with some bull shit reason as to why they cannot set the limit higher.
I have 4500 limits with Virgin and LloydsTSB Platinum cards and am classed as an excellent credit risk with LloydsTSB and can get any loan I wish.
However when it comes to the Amazon card I have never had such an ... ...in my life. I need my limit increasing from its current level as I sometimes need to put company purchases onto it. However I am constantly told by Halifax (the company that destroys Amazon's good name, I mean shoddily runs the credit card) that I cannot do this because I am at my credit limit and am maxing out my card.
Now if they had just set the limit higher like I had asked them 6 months ago I would not have this problem, they would have a happy ...
deanmoncaster 28.03.2007
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Advantages: 0% Balance transfer for 9 months - no transfer fees Disadvantages: Offer is only for 9 months (if only they can't they make it longer!!! :-) )
Not much to say about this as I have opened this account for balance transfer offer. Most credit cards offer you an incentive to get you to apply. I found the card by an internet search Advantages
- If you require a 0% balance transfer card but do not want to pay any transfer fees, this is one of the few cards left that is worth applying for. - it is worth getting if you wish to carry out a balance transfer for 9 months with no fees and 0% APR for ... ...Halifax, so great references. Good security set up when sending the card and pin number to you. - Easy to use the online facility
- Good security when they send you the documents to sign, card and pin number
- If you purchase on it you can collect the Amazon points (don't know much about this facility as I only use the card for balance transfers.
- Take care of the balance transfers for you with speed and efficiency
- You can change your bill ...
Elaina18 17.04.2006 (18.04.2006)
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Competitiveness of APR
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Security and Privacy
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Quick review of Amazon.co.uk Mastercard
do not take this credit out ie amazon master card if you are say one
day late ie the payment was due on 3 jan and they get the payment on
4 jan they will slap a late fee charge of 12 pounds what a rip off ...
dange0222 20.01.2009 (19.01.2009)
Ciao members have rated this review on average: helpful Review of Amazon.co.uk Mastercard