Used a Halifax cash back credit card for years and not had any issues for many years, and never had any issues. The mobile app is decent and although you get little back for using them, it’s been reliable. Recently, our card kept declining and every time we’ve called the Lloyds Banking Group has been problematic, saying they have a £100 Apple Pay limit which is very poor and tried to blame it on us and Apple, although the same transaction went thorough perfectly with Virgin Money. Plus, the long hold times with no hold tune of any kind is just painful. Come on Halifax, get it together.