Avant Card

VERY UNHAPPY!

I am very unhappy with the avantcard service. I am trying to close my card for about two weeks, but when I am calling them all the lines are busy but my infromation will be farther away and And they leave a note on the desk next to my documents to be called back and help me be happy and so for I'm still their client and in addition very unhappy customer. Apprently they called back, but they did it on a number that has not been valid for a long time, that I could not pick up, but of course they could have called me. It's funny that when you try to call To create an account they will help you in a few minutes and Im closing the card with this one hopeless company already two weeks

Call centre wait time is WAY too long, at any hour of the day.
Ongoing problems with their IT system that mean you cannot see your recent transactions when you log in to your account. Told these will be resolved 'by the end of today' and four weeks later still unresolved.
Closed my account as their customer service is appalling

Hello Everyone , Got my Card last month via Chill Money
i suggest everyone check your credit report before applying for a card , make sure u have and got a good credit rating , also to have a good income and to have enough money left each month , So far all good , im happy

Dealing with this company for years under different owners, the staff are always friendly, obliging when difficulties arise, and are excellent communicators one of the few companies that genuinely deserve 5 stars .

I had a card and a loan with Avantcard. Everytime I contacted them they were great.

Worst at customer retention and good on customer intake

When I started with AvantCard, they were pretty quick and fast. I didnt ask for a Credit card but sent out to me the credit card. Never used the card.

After an year, they charged me 81 Euro whereas the government fees only 30 Euro.

Finally had to delete my profile from them. Worst experience ever.

Advise: If you would like to think about what will happen with AvantCard after an year, try to avoid those folks. But if we are looking for immediate service, they are very proactive to onboard you.

I rang at 8:08 am and was left on hold for 10 minutes

Toxic shower of fiscal ########. How many phone calls does it take to close an account. You perposefully and maliciously held my account open after weeks of phone calls into April and another government levy was added to my account which had to be paid.

They dont even deserve a star. Bad bad bad. They dont borrow. Avoid them. Ulster bank gave me what they couldnt give after 3weeks of wait. Rubbish waste of time. I dont know why they exist.

Horrendous company avoid at all costs. When i was sorting my late fathers estate I paid off what they told me was the adequate payment to the account. I was told they would wipe the small remainder as an act of compassion. A year and a half later the debt they so nicely claimed to have wiped is passed on to a separate company and they wont respond to you on the matter as they say they dont have any details anymore on the matter.wont even answer your queries on the phone.

Absolute waste of time, just go to a credit union as Avantcard want a flawless credit history and charge high interest. Absolute joke as I got a car loan of BOI days later with an apparent mark on my ICB

During these awful times I applied for a refinancing loan to condense my expenditure with Avantcard to the one loan (credit card and loan into the 1)

I was helped by a lovely man on the phone in sales who gave me some hope after a bad pay cut I had but then I spoke to a lady in the credit team and the manner in which I was spoken to was scary.... her name is Karen FYI

I was being given out to for applying so much when that s what I was advised to do by the helpline staff ...

I will be removing all my accounts from this place ASAP thankfully AIB were able to approve my refinancing loan but the rates were not as good but it s better than nothing !!

Avoid this place

Uneducated idiots don't know how to correctly carry out a credit check. They used someone's report with the same name as me. No way would I actually take out a loan with these incompetent jokers

Strange company. High APR and rejected for a loan, that two days later AIB were able to give me despite not being a customer. Judging by reviews do Avantcard even lend or just pretend. Not worthy of a one star

Had bad experience with application process in the past, however looks like they've improved the process lately.

Have dealt with many banks for financing over the years and have to say borrowing money and dealing with avantcard has been a very good experience, although I had to wait a while for the green light to come, it did come and have to say all the staff are very nice and professional to deal with. well done Avantcard. Don't leave Ireland . your services are well needed here!!!!

Got a "GREAT" credit rating! Thought I had a not so good credit score but was pleased to get a cheaper rate on my credit card. Their loyalty program look interesting too. Appears to have lots of decent discounts.

Great company , and good customer service .
never have problem.

I received Cash advance charges when i didnt take any money out of an ATM with this card.

Finance fees crop up every month on the 16th when payments are still less than 30 days on the credit card.

Operates different to any other credit card.

Cant get through to customer care either.

Best and Quick received personal loan in just 2 working days.

I had just come out of hospital, I'm elderly, couldn't pay on time because of hospital stay was absolutely persecuted by this company. I said I am so ill and was told they were "helping me" by ringing me at one point every 2 hours,I said I couldn't take anymore and they told me to pull my phone out of the socket because that was the only way. It only stopped when I told their supervisor it was harassment.

Leaves a sour taste to deal with this company.
Avoid them.
Slow website and terribly poor customer service when you are trying to leave them.
Instead of them helping you so that you might come back in the future they make the whole a messy experience. Would never go back to them and will spread the word to family and friends to avoid them.

Savings were higher than than the loan required and leftover over wages after all living expenses was still over 3 times more than loan repayment, still got rejected with a stupid uninformative email.
Complaint has being sent to Ombudsman.

Completely useless. Nothing but a scam company. Avoid like the clap!

Terrible service. Can t email them, can t call them after 5. Left waiting over a week for a decision to be told no, almost as bad as Provident. If I could I d give 0/5 stars.

This is nothing but loan shark in disguise of credit card company.
Pls avoid at all cost.

A pathetic company. I gave all the details Full time employment and address details still rejected my application twice without any reason. I wish there some authroity I could complain to.

Travelled down to Avantcard as part of an educational trip, studying cyber security. Very impressive. Huge office space, plenty of room to expand into. Friendly and knowledgeable people, good work atmosphere.

Fairly quick and straightforward application process. Got a very high credit limit credit card in 2 days. The promotion on money transfer is fantastic. No interest for the first 9 months! And the application of money transfer and approval is also very quick :-)

A complete mess of an organisation. Don't waste your time.

High interest low approval, just go to a bank where you will actually get a loan

Got transferred from Tesco Banking to these. Never had any issues with Tesco banking. Initially Avantcard were ok to deal with but their website is very misleading. I tried to set up a Revolut direct debit by sending in the letter - the staff member said this would work! However nobody from Avantcard got back to me to say they do not accept Revolut as direct debit. So my bill didnt get paid. When I went in online and check, It has "Amount Due" on the account which is only recent transactions and does not include a total amount due on the card. This is very misleading and it is setting people up to have bad credit. In all the years with Tesco Banking they never mislead their customers. Even when you ring up Avantcard they quote the recent charges too and dont tell you about outstanding charges. This means they then give you finance charges. When i tell them i want to pay "everything" off they seem surprised!! Its all set up to purposely put their customers into the red and not user friendly at all.

Avoid these people. When they don't want to be payed they are experts. Try to overpay your account, it's an experience and not a very nice one. STAY AWAY !!!

"False promises and false timelines."
I applied last Friday to get a loan with Avantcard , got a call then on Wednesday that they looked over it. (They advertise 1 business day and it could be in your account)

When I received the call, I was told congratulations, you have been approved, and that you WILL receive an email tomorrow requesting IBAN to transfer funds into .
Naturally enough, I was happy, waiting and expecting my email.

Well, the email came , Thursday (nearly a week after the initial application) "Unfortunately we are not in a position to give you a loan at this time" . So I rang up and they could not give me a straight answer as to why , after being lied to and given false promises being told I was approved and WILL receive funds , and this was all done on a recorded phonecall.

Its an absolute disgrace.

I tried to close avant card after 10 years and am shocked and horrified how they tried to talk me out of it. It was so underhanded, I really fear for old or vulnerable people who can not stand up to their subtle bullying tactics. I did not expect a financial institution to stoop so low.

Dreadful. Kept me waiting a week after approving me in principle. ..... and then turned me down. Despite the fact I would easily have been able to pay. I'd never go to them again.