ABOUT HBOS HBOS Card Services was formed in September 2001 from the merger of Halifax and Bank of Scotland. By offering a range of competitively priced credit and affinity cards, it is now the UK’s largest issuer of new cards. During 2002, HBOS Card Services opened 1.4 million new credit card accounts, resulting in an estimated 21% share of the new credit card market. HBOS Card Services’ Cardiff-based contact centre employs 400 agents and receive

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