santander credit card???

amyanderson123

does anyone know is santander is any good for credit cards? I need to do a balance transfer and not sure what card is the best.

Saucepot

Santander appear to be fraught with customer service issues when you look at the feedback they get here, however I have found them okay to deal with. The Santander Zero gives you no BT fee (if done in 3 months from opening) and 0% for 6 months. The regular card has a 3% fee & 0% for 13 months. The Zero is good for foreign travel, the regular card has a lower apr when interest applies.

Pantera_Fan

I've had a zero card since they were launched (about 3 years ago) and I have very mixed feelings about them.

Good points
- lots of existing customer offers. I have just got another 0% for 12 months offered. This is the 3rd offer in the last 9 months.
- generally low interest rate

Bad points
- trying to change my address details took a year!!
- trying to set up internet banking is like pulling teeth. You need various codes but they only ever seem to send out the first one. When you call to sort it out the process starts again and again and again .......
- see above but with direct debits
- call centre staff pass you around and you have to repeat yourself constantly and normally end up further back than you were originally
- staff in branch are equally as useless.

So if you want a good deal they are great but if you want an easy life look elsewhere. Only card I've ever had where it is easier to go into branch to pay. If they didn't keep sending me good deals I would have left a long time ago.

They have just changed the way you sign up for internet banking so I'm waiting to see if the details actually turn up.......

amyanderson123

I was thinking about changing banks from tsb to santander, but if it takes a year to change address i might think again. thanks for the info:)

mrs_T

amyanderson123 wrote: »

I was thinking about changing banks from tsb to santander, but if it takes a year to change address i might think again. thanks for the info:)

I changed from TSB to santander in January when TSB introduced fees for using an agreed overdraft. I kept reading how awful santander were but I wanted the £100 bonus and the 0% no bt fee credit card. I have had no problems at all, switching service worked on all but one of twelve direct debits (lovefilm), received my bonus quickly, set up credit card (including online) and online banking. I found as long as I kept all the bits of paper together and wrote down everthing for online it all went smoothly. Call centre was by no means the worst I've dealt with.

I would say know what you're talking about before you start, I opened my current account in branch and it definitely appeared that I knew more than the person I dealt with.