Can you apply for a debit card upgrade on Nationwide Online?

Inactive

sutton111 wrote: »

What are Nationwide like to deal with, are they helpful?

Fairly useless to be honest, but nobody else can match them for overseas transactions, as Kavanne has said.

firsttimestudent

Hi, just wondering, will you get credit searched in Experian/Equifax when you apply for a Debit Card upgrade in branch?

BruceyBonus

firsttimestudent wrote: »

Hi, just wondering, will you get credit searched in Experian/Equifax when you apply for a Debit Card upgrade in branch?

I don't know anyone who has been "upgraded". Everyone I've spoken to/read about has just had a new account opened - either online or by the staff in a branch - therefore a credit search would be involved.

firsttimestudent

BruceyBonus wrote: »

I don't know anyone who has been "upgraded". Everyone I've spoken to/read about has just had a new account opened - either online or by the staff in a branch - therefore a credit search would be involved.

Thanks... I stupidly asked for an upgrade at branch today (and got declined), that's why I asked...!!! Was thinking of applying online now, but concerned that the upgrade request at branch will constitute a credit search!

BruceyBonus

firsttimestudent wrote: »

Thanks... I stupidly asked for an upgrade at branch today (and got declined), that's why I asked...!!! Was thinking of applying online now, but concerned that the upgrade request at branch will constitute a credit search!

I was declined for an upgrade in the branch three times. Applied online for a new account - accepted for debit card.

withnell

Nationwide have their own intenal scoring system that the staff can't seem to override.

I had the same issue with my flex account of wanting a debit card - I didn't use the account because it didn't have a debit card, and the response was that I didn't use it enough to get my score up high enough. Was advised by the branch to apply for a new account, and was approved straight away for all facilities!

You may as well keep the old account so if you want to take out any current account offers elsewhere where they require you to transfer an existing account, you have one in stock!

orangeslimes

if you open a new account does it link to your esavings accounts or bonds and stuff?

BruceyBonus

orangeslimes wrote: »

if you open a new account does it link to your esavings accounts or bonds and stuff?

It doesn't link to your existing e-bonds/e-savings. But you can keep the old FlexAccount open so you can still use the old e-accounts.

bristolleedsfan

BruceyBonus wrote: »

It doesn't link to your existing e-bonds/e-savings. But you can keep the old FlexAccount open so you can still use the old e-accounts.

It does actually, I made an application for a second Flexi-Account, quoted my existing customer number when making the application, now within my online banking i have Two Flexi Accounts listed, e-savings account, ISA Fixed rate account and obviously if i was to open an e-savings + account that would get listed as well.


Account List
FlexAccount_****

£68.79

available: £36.79

Credit_Card_****

£0.00

FlexAccount_****

£1150.00

available: £150.00

e-Savings_****

£481.00

available: £481.00

noah271007

My experience with Nationwide is mixed. Sometimes they can be good and sometimes a complete nightmare! They have changed for the worst especially since they took over Portman, and attracting more new customers which often led to long queues. Only a few years ago, it used to be personal and they would give you hot drinks or drinks at branch when you come in to discuss your accounts in person. Not now, because they cannot accommodate for everyone! It is excellent only for free overseas transactions charges and good value products but now it is on par with other banks. Disappointing to see another great building society becoming another clone typical bank!