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First Direct Credit Card Reviews

Ratings based on 11 reviews Last review 1 week ago

First Direct Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do First Direct customers like? Find out more about the First Direct Credit Card by reading our trusted Smart Money...

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First Direct Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do First Direct customers like? Find out more about the First Direct Credit Card by reading our trusted Smart Money People reviews. You can also write your own First Direct Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Our Smart Money People 360° Rating

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Your Credit Card Reviews (11)

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11th August 2017

Beware of First Direct Offset Mortgages

I had an offset mortgage with first direct in 2000. I made overpayments on the understanding that I can have access to surplus funds at any time as long as I kept paying monthly instalments...

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I had an offset mortgage with first direct in 2000. I made overpayments on the understanding that I can have access to surplus funds at any time as long as I kept paying monthly instalments regularly.
When I needed a lump sum from my overpayments to do home renovations after 17 years of regular payments, they bluntly refused on the pretext that a second charge was applied on my mortgage!!!
Morale: Avoid First Direct Offset Mortgages! If you have to take one with First Direct, never make overpayments. Your savings will go into a black hole and you will never see this money again!!
Beware!!!

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10th August 2017

Easy to apply, quick to receive and great incentive

I switched to a First Direct credit card recently. they offer £30 completely free when you spend £500 or more in 90 days on your card. I always use my credit card for most purchases ( paying it off every month in full) so this is real money for free! E...

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I switched to a First Direct credit card recently. they offer £30 completely free when you spend £500 or more in 90 days on your card. I always use my credit card for most purchases ( paying it off every month in full) so this is real money for free! Excellent customer service too.

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13th May 2017

Fantastic customer service shines above the rest. App could do with an update.

I have a credit card and current account with First Direct. Their customer service is second to none. Calls are answered quickly, queries are resolved swiftly and explained in a way that I understand. Being online only is not a problem at all with...

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I have a credit card and current account with First Direct. Their customer service is second to none. Calls are answered quickly, queries are resolved swiftly and explained in a way that I understand. Being online only is not a problem at all with customer service as high as this.
I do find the App and online banking clunky but love the weekly update texts which keep me well informed.
Other banks need to look to First Direct as inspiration to up their game! Well done First Direct.

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13th May 2017

Fantastic customer service shines above the rest. App could do with an update.

I have both a credit card and current account with first Direct. Their customer service is second to none. Calls are answered quickly, queries are dealt with swiftly and painlessly and always explained in a way that I fully understand. My only...

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I have both a credit card and current account with first Direct. Their customer service is second to none. Calls are answered quickly, queries are dealt with swiftly and painlessly and always explained in a way that I fully understand. My only gripe is the app is a little clunky to use as is the online application.
Other banking rivals could learn a lot from this provider's excellent to customer service.

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