Nationwide - easier to get Credit Card or Debit Card?

firsttimestudent

Hi there,

I think I read before in MSE forums about Nationwide Credit Card being easier to get than the Debit Card, is that true?

I already have a Cashcard with Nationwide - now for convenience I just wanted to either have a Debit Card or Credit Card with them - easier for me to make foreign purchases an so on. (I settle credit cards in full anyway, so not worried about interest etc.)

Which one do you think I should go for?

Thanks!

Kavanne

I have a credit card with nationwide but when I tried to open a flexaccount they only offered me a cash card and no OD....

Make of that what you will.

Fayeloicia

I tried for 18 months to get a debit card with Nationwide, 3 times I was told to go back in 6 months, was never told a reason. Went to Natwest instead, they gave me a Solo card instantly, and in less than a month I got a Maestro card.

JoseChungsDoomsday

credit card is deffo easier to get. Though I do have both

skyrider007

It is definitely easier to get a credit card from Nationwide!

c8ndice

skyrider007 wrote: »

It is definitely easier to get a credit card from Nationwide!

I have just been accepted for 2 flex accounts with debit cards, but I can't get a Nationwide credit card

skyrider007

c8ndice wrote: »

I have just been accepted for 2 flex accounts with debit cards, but I can't get a Nationwide credit card

They're weird! No wonder they take their pride in saying "proud to be different".

c8ndice

skyrider007 wrote: »

They're weird! No wonder they take their pride in saying "proud to be different".

lol yes.

Instant decline for the credit card.. Maybe in another 6 months :rotfl:

poker_face

c8ndice wrote: »

lol yes.

Instant decline for the credit card.. Maybe in another 6 months :rotfl:

I wouldn't take it personally, banks seem to be so inconstant with who they do and don't approve atm.

Coasters

£2500 Overdraft with Nationwide (Which they delight in upping)
Flex Account Debit Card with Nationwide

Refused the Credit Card

999 credit rating with Experian, no bad credit. Own my house.

Neither is easier to get approved for over the other, that's a fact.

jayjayuk

when i was 18 i got a flex account with £50 OD

and a £2000 cc the same day

now im 23 i have a reserved OD of £2000k (not in the red at all)
and an upgrade Gold credit card with them this week

(and in oct i quilified for a mortgage)
so cant complain


and im only on 15k

however i cant get any 0% deals
i have mbna card @ 29% with £400
the only other card i can get is cap1 @ 35% with £250 limit
n im sure my credit file is rubbish