Which credit card has the best online system?

JacksterD

Hi,

I currently have an RBS Student credit card with my RBS Student account, but I'm moving the student account to the Co-Op so I have to close the credit card.

I'm just using the card to build a decent credit score and I pay it in full at the end of every month, so the interest rate isn't too much of a worry for me. My income is £8500 a year as a student, so I know I won't qualify for many cards, but I want to apply for one which has a good online system. I looked at Capital One's online demo and it looks pretty good - anyone got any opinions on Capital One, or any other CC online system?

Thanks

steve1980

Credit scores mean nothing!

I've got Barclaycard & Nationwide at the moment. Barclaycard is very simple to use, Nationwide website is awful, you can't pay via the website, you have to use internet banking from your current account.

I've had HBOS, which again was simple, but they've now changed it for the worse.

Are you aware of the Co-Op's online system? Your user details and passwords are visible to customer services. They are not encrypted at all, which is really poor.

You should try First Direct, I've just joined them, and so far it's been a pleasure.

agrinnall

steve1980 wrote: »

Are you aware of the Co-Op's online system? Your user details and passwords are visible to customer services. They are not encrypted at all, which is really poor.

What is your evidence for this statement? It sounds like total bolleaux to me, my co-op account doesn't even have a password, it has a security code, from which 2 digits are requested, and security questions. Staff may be able to see the security questions and answers but I seriously doubt if they can see the whole security code.

chanz4

capital one is good as you can see exactly what and whom from is pending

jen245

Capital One's is very good, but I also really liked Santander's online credit card servicing (I know, Santander!!). The layout is very simple, and you can also see all pending transactions

Hydromancer

You might want to look at Halifax/bank of Scotland's student credit card. You do not need to hold a student account with them to get one. It's pretty similar to the RBS student credit card with a £500 limit and 17.9% APR though without the discounts.

Gromitt

agrinnall wrote: »

Staff may be able to see the security questions and answers but I seriously doubt if they can see the whole security code.

Staff are able to see all your security questions and answers, plus all the data you entered into your application form.

When you setup your account (and if you wish to change your security code) you have to phone a customer services advisor and give them your new number (you can't do it online). So that person knows ALL of your details.

Also, when I forgot my memorable name, I was asked for pretty much everything - all my security questions apart from memorable name, passcode (all digits), even switching account sort code and account number. They then finally said "Thats enough security" and changed my memorable name.

If you forget your details, your pin code seems to be erased as I got this too. The staff said "Your PIN code is blank so I'll reset it, what number would you like?" - more evidence they can see your PIN code in full.

Compare this to First Direct where the customer services had no idea of my details - they actually said once "All I can do is type in what you say and see if its correct, I can't see what your answers are.". Nationwide were the same - "We can post you new security details, but we can not see what they are at present or which is correct/incorrect".

JacksterD

Thanks for your help folks - I just applied for a Capital One Progress card and was accepted no problem :-)