Natwest Student Credit Card

clairebear333

Hi all!

I have just recieved my new natwest student credit card - I applied for it because this month is especially tough for me with rent etc.

Anyways, I went to pay for some items on my credit card and it was declined :mad:

I then went to the cash machine and it wouldn't let me withdraw cash - does any one know why this could be!? I have a £350 credit limit on the card and have never used it.

I'm a little confused

Thanks, Claire!
x

ehlo

Does it require activation?
Also I believe that interest is charged on cash withdrawals from the day you take the cash out rather than after x days so you'd be better off using it for purchases

clairebear333

Well I thought it may need activated...

I have also just read the letter my card came with and it says I have to do three steps....

1. sign my card
2. personalise my pin
3. start using my card

so do you think this could mean that I have to change my pin before I can use it? although I have never heard of this before....

chazzee

Haven't heard of that before, best bet is to phone them and ask.

Fruit_and_Nut_Case

clairebear333 wrote: »

[...] I then went to the cash machine [...]

ehlo wrote: »

Also I believe that interest is charged on cash withdrawals from the day you take the cash out rather than after x days so you'd be better off using it for purchases

Also, the interest rate on cash withdrawals is often greater than the interest rate on purchases.

lea_t88

I had one of these, you have to phone and activate your pin. With my letter there was a phone number to do it and I'm sure it was a 24 hour automated one, didn;t have to actually speak to someone so you might be able to do it tonight if you find the number.

ceh209

Yeah i remember this... it isn't obvious on the letter that you have to activate it.

I found that out when I went to a cash machine to change the PIN and it wouldn't work...