'No Trace' on Nationwide CC?!

Dave_the_Ginger_Cat

desiman wrote:

Got my nationwide cc a few weeks ago, even made one purchase on it (for about 400 quid, abroad!)
Now im trying to register with Internet banking, it said unable to verify address. Spoke to Nationwide, and they said there is a 'No Trace' on the account! Well, what does that mean?
"It means you have to take some ID into a Nationwide branch to confirm my identity. "
But Why? If you wanted to verify my identity, you should really do it before sending me out the card and letting me use it?
"We can verify your address via the Electoral Roll sir, but not your identity."
Eh? My name is on the Electoral Roll as well, there with my address
"Yes but your photograph isnt sir"
Eh?!!!!!!
"Identity theft is an ever growing problem, sir"
Rrrrrrrrrrright, so if I dont go into a branch with my identity, you'll let me use the card as normal anyway, send me statements as normal, but I just wont be able to use Internet Banking with it.
"Thats right, sir. It only takes seconds to do it in the branch sir"
It may only take seconds in the branch but it take half a day off work to get into town, find a place to park and sort it out!
"Sorry sir thats the only way to lift the NO TRACE"

Can someone please make sense of this! If its such a fraud issue, why let me use the card? Is it worth complaining?

I think they are trying to protect you, by making sure that you are really the person you say you are, and that people are not using your details without your consent. Perhaps the combination of overseas transactions and request for internet access has triggered this. No trace tends to show that statements have not been delivered by the post office.

I don't work for the Nationwide, but am certain they have your best interests at stake.

DTGC

JohalaReewi

desiman wrote:

This is initially what they told me too. That I cant have Internet Banking if I dont bank with them!

I did try to register on that link with the Credit Card option, and after filling it all in, i get the 'unable to verify address' message.

Sounds like they have put a 'block' of some sort on your CC. Merchants etc. can cross check your address (that you type into web forms) with the address held against your CC. Looks like Nationwide do something similar when you register a CC for online access. Looks like you will have to have another go at customer services to find out why you get 'unable to verify address' messages when you use your card.

Once you have registered your card on the website, Nationwide send you a customer number via the post which is your login code. The 3 bits of memorable data become your login passwords (you can use any of them to login). Somewhere you also get to provide a passnumber (also used for logging on) and a password which is actually seen by customer services and is asked for when you phone them up (so make sure it isn't rude LOL).