i'm an idiot should know better

jobdone1

AHHHHHHHH NATIONWIDE HAD ONE OVER ON ME fuming to say the least long story short switched bank accounts in jan from santander anyway when i switched all my bank dealings over from santander to nationwide by appling online and being accepted online i got a call from the local branch and asked to come in,i fell for the trap of being called in to branch to open up another account to run along side the account i opened online, the account that the branch wanted to open was purely for direct debits so i thought great idea, Please note at the time any new non nationwide customers opening a new bank account who pay in at least £750 would be accepted for their select credit card, this is where i think things have gone wrong on the opening of another account for direct debits in branch and like an idiot did not think to read terms and conditions of credit card linked with the new bank account for the direct debits set up in branch. Somehow i have ended up with a credit card that is not the select credit card but nationwides non flex account customer credit card. This card i have is 18 months interest free balance transfer and 3 months spending. Question is why did they not supply me with the deal advertised i know i have signed the terms but i transferred my whole banking over as i say this should then give me the flex card? Yep you guessed made a complaint fuming mislead and been told by them my fault i signed the terms. SO KINDLY TOLD THEM GO FLY AINT HAPPY. Any advice would be great what a stupid idiot i am normally red hot with this kind of stuff sorry for the long thread might get some great advice from you guys.:mad::mad::mad::mad:;)

fatblackandwhite

I don't mean to offend, but you may get better advice if you can break your post down and include punctuation. It is very difficult to read as it is.

jobdone1

sorry so angry bashed out thread

mynameistallulah

So you took out a card, didn't read the terms and conditions, then threw a hissy fit when you got charged interest. Correct?

jobdone1

correct but please read my thread that i have tried:cool: to make more clear

CLAPTON

you can edit you post by clicking 'edit'

then delete at least half of the post and space it out a bit; that way more people might actually read it.

rb10

It just shows how important it is to read the details on the website of what you are applying for. Banks often have different products with similar names.

In this case, it's the Nationwide Credit Card (3 months interest free), which you applied for, and the Nationwide Select Credit Card (longer interest free), for existing customers.

Not much that you can do other than chalk it up to experience and double-check what you've applied for next time.

SnowTiger

A bit hard to follow, but as I understand it you've used your Nationwide card to pay for your car insurance, expecting to get 18 months interest free credit. Your wife telephoned Nationwide before the purchase to confirm this, which they did.

You've now discovered you only have 3 months interest free credit and complained to Nationwide, but they have no record of your wife's call.

Presumably this is the Nationwide credit card you have?

I don't think there's much you can do about it, especially as the documentation seems to back up what Nationwide has told you.

Maybe you could get another card that offers a 0% interest free period and transfer the balance to that.

I note your Nationwide card offers 20 months interest free on balance transfers for a 3.1% fee. As an alternative, perhaps you could move the balance to another card and then do a balance transfer back to the Nationwide card. Although the fees would be racking up, so it may not be worthwhile.

If I've understood things correctly, your car insurance purchase was only £195, so it's not a huge amount of money.

jobdone1

that's correct £195 but ruined my 18 months 0% on the £1500 that i transferred before i put car insurance on

mynameistallulah

I still can't read your post.

The moment you started getting stroppy with the bank you ruined your chances of finding a mutually agreeable remedy. Believe it or not, they can be quite helpful, and Nationwide is one of the better ones, but telling them to "Go fly" will have eliminated any hope of goodwill.

Your only solution now is to pay back what you owe, including the interest.