Since Halifax Credit card has changed its system by adding pending amounts to the whole amount, I have been frustrated. I like to pay what I owe as soon as possible. But I now have to keep going right up to what I want to pay, for information to come up IN RED that I can’t pay over the amount I owe. How the hell do I know how much I owe if your not telling me (without adding an amount I can’t pay) I have been with Halifax since June 1969, and have watched customer satisfaction getting worse. I am seriously on the edge of changing from the Halifax in the next few months, as There is no advantage to me to stay. Customer service is getting lower and lower as time goes by.