Nationwide C.Card major probs BEWARE !!!!!!!!!!!!!
trets77
Forumite 2.9K Posts
with my next trip abroad in mind i applyed for the nationwide credit card to avoid charges when using it overseas.
to quite honest the way i have been treated a few quid charged by one of my other card providers would not seem so bad .
1) first it took nearly a month and half to arrive. so if your in hurry don,t expect it to be in the post quickly.
2) they gave me a pidlly little £1000 limit. when you consider i have a £85,000 morgage with OVERPAYMENTS on it with them . not to mention the £25000 potential credit i have just cancellled with other cards, i consinder this a bloody insult. and totally inadquate for my needs if using it on my next trip to the states.
3) so anyway i ring up to try and activate it and get credit limit increased. surprise surprise i,m on hold . not having the time to hang on the phone yesterday i gave up after 10 mins. i tryed 3 more times but same thing. they are only open from 8 till 8. so this morning i resolve to hold until i get answered . 50 minutes later yes you read that right FIFTY !!!!!!!!!!! FIVE ZERO !!!! .:mad: :mad: :mad: :mad: :mad: and this is just to activate ir remember .i lost it and hung up and called the complaints number guess what busy tone .....and the next time and the next TEN times i tried.
:mad: :mad: :mad: :mad:
by now i was really fuming so followed anthor route complain through the web site like the little leaflet says . guess what follow the links to be told don,t e-mail us complaints. call the number that is constantly busy. or go into your branch. :mad: :mad: :mad: :mad: :mad:
By any standards this customer service at it,s very very worst!!
if you a thinking about applying for this card be damm sure you know what to expect. and ask yourself IS IT WORTH IT !!!!!!!
to quite honest the way i have been treated a few quid charged by one of my other card providers would not seem so bad .
1) first it took nearly a month and half to arrive. so if your in hurry don,t expect it to be in the post quickly.
2) they gave me a pidlly little £1000 limit. when you consider i have a £85,000 morgage with OVERPAYMENTS on it with them . not to mention the £25000 potential credit i have just cancellled with other cards, i consinder this a bloody insult. and totally inadquate for my needs if using it on my next trip to the states.
3) so anyway i ring up to try and activate it and get credit limit increased. surprise surprise i,m on hold . not having the time to hang on the phone yesterday i gave up after 10 mins. i tryed 3 more times but same thing. they are only open from 8 till 8. so this morning i resolve to hold until i get answered . 50 minutes later yes you read that right FIFTY !!!!!!!!!!! FIVE ZERO !!!! .:mad: :mad: :mad: :mad: :mad: and this is just to activate ir remember .i lost it and hung up and called the complaints number guess what busy tone .....and the next time and the next TEN times i tried.
:mad: :mad: :mad: :mad:
by now i was really fuming so followed anthor route complain through the web site like the little leaflet says . guess what follow the links to be told don,t e-mail us complaints. call the number that is constantly busy. or go into your branch. :mad: :mad: :mad: :mad: :mad:
By any standards this customer service at it,s very very worst!!
if you a thinking about applying for this card be damm sure you know what to expect. and ask yourself IS IT WORTH IT !!!!!!!
Better in my pocket than theirs :rotfl:
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As a general comment, I have found the service to be excellent from Nationwide. I opened a FlexAccount earlier this year and it was fully operational, including cheque book, debit card, online access, etc within 7 days. And no I don't have any connection to Nationwide - just a satisfied customer.
Actually, if you think your credit limit is low, you should send off your bank account statement and credit card statement to them and ask for a higher limit.
Alternatively get them for Experian and Equifax for £2 each.
Also you could go back to Nationwide after a couple of months and ask for an increase. I think 3 months is usually the stated figure.
i think your right about about my cancelled credit cards being the problem i,ve bagged a couple of freebies in last couple of months. and was up to £40,000 of potential credit ( all unused).
as regards to my experiance with the Nationwide i have always found the branch service execellent. and was glad when i re morgaged with them when i moved last year. of all the evil banks on the high street they are a much more trust worthy bunch but they need to sort the telephone side of things out. i had a long wait when i called to cancel some insurance with them. i know what your saying about most call centers being busy ect but 50 mins is VERY POOR by any measure. i,d be demanding a refund for my call charges were it not a 0800 number
maybe i,m being a little harsh with the delay in getting the card and the credit limit but i bank with First Direct so maybe a get more angry cause i know what telephone customer service CAN be like.
my advice get the card ( i mean it is the only one without NASTY overseas charges.) but be aware of the time taken to get a phone answered, Now if you could just get that sorted Nationwide i,d happily not make anymore negative posts.:beer:
Sometimes circumstances go against us ,but that does not mean they view you badly,just a set of policies,do not take it personal
TIME TO PULL YOUR SOCKS UP NATIONWIDE BEFORE YOU GET A BAD REP AND BEFORE SOME OTHER COMPANY GIVES FREE OVERSEAS TRANSACTIONS.
YOU HAVE BEEN WARNED DON'T IGNORE YOUR CUSTOMERS