Nationwide Flexaccount - upgrade from Cash Card + to Visa Debit

jonrwarner

I currently have a Flexaccount with nationwide but with a cash card plus.

I don't want this cash card anymore as I cannot use it abroad , at pay to pump and at certain other services. I also dont get a cheque book or the special offers with this Nationwide Cash Card Plus.

I recently asked to upgrade and apparantly I failed the credit check. I haven't ever had any form of credit in my life (except for a recent Orange SIM Only ) but that doesn't show up on my CallCredit Credit Report.
I even tried opening separate account and still only eligible for a Cash Card Plus!!!!!:mad::mad::mad:

Has anyone got any idea what I need to do in order to get a proper Visa Debit as opposed to being stuck with a Cash Card Plus.

I think I may abandon or close this account with Nationwide:money:

GooliesOfFire

I had a cash card for quite a long time (6-7 years) with Nationwide. It didn't bother me because it's the account for bills only. Last year I was told in my branch that I needed to have the flex account for at least 6 months before they could consider giving me a debit card. There was no credit checks (nothing on my file). I just asked the guy at the counter that I want a debit card instead of the cash card. He ordered it for me within seconds. Me and my wife got the debit cards a week later.

pqrdef

GooliesOfFire wrote: »

I had a cash card for quite a long time (6-7 years) with Nationwide.

The cash card plus hasn't been around that long. It's what Nationwide are calling the Visa Electron online debit card, now that the Electron brand is being phased out. No credit check, so most former cash card customers have had their cash cards automatically replaced by cash card plus.

Although the card is a debit card, Nationwide don't officially call it that. I think they're happy if a lot of their customers haven't noticed.

Nobody gets the full-function offline debit card without authorising a credit check. This is gold dust for the bank - once they've got access to your credit file, if it's good enough, they can start selling you credit cards and insurance and whatever. That's why they link the special offers to the full debit card.

I think this is the OP's problem. If his credit file doesn't meet the criteria for them to flog him a credit card or an overdraft or anything they might make a profit out of, they don't see any point in giving him the goodies.

GooliesOfFire

I had the cashcard first... then it was replaced by the cashcard+ (I didn't ask for it)... I've never had Visa Electron with Nationwide (or at least I don't remember any of the cards to have Visa Electron logo.. maybe cc+ had it but I don't remember now). I've been with them since 2005.

I've had mortgage with Nationwide since 2007.

pqrdef wrote:

Nobody gets the full-function offline debit card without authorising a credit check.

My offline debit card and cheque book was just ordered for me within seconds last year. I'm not aware of them doing any credit checks. I was not asked any additional details it was simply "Ok Sir, I ordered it for you".

pqrdef

GooliesOfFire wrote: »

I'm not aware of them doing any credit checks.

You'll have signed for that when you took out the mortgage. Once you've signed, they get monthly updates and alerts to keep tabs on you.