Santander 123 credit card - not free for ever?

Susievintage

Hello michaels

That's a really good thought - I'll investigate whether I can simply apply again and get the first year free...

opinions4u

Susievintage wrote: »

were lots of people given the same mis-information as me, about the credit card remaining free for current account holders?

Possibly.

Is it yet another example of mis-selling?

Possibly.

I think what is frustrating is how easily these threads are derailed.

I didn't actually ask whether having a cashback card is a good idea, or worth it for me, or good business for the credit card company, but only whether anyone else had been given the same misinformation by Santander!

But you did raise a subject about the mis-selling of the card. Establishing the suitability of the product for you is part of commenting on whether you may have been a "victim" of mis-selling.

If we're only allowed one word answers please make your posts more concise and leave, in bold font, a message clearly stating that posters are not allowed to ask further questions, speculate or comment on the wider issues surrounding the product or sale.

That's what makes me wish I hadn't asked - because the question just gets lost under lots of opinions about vaguely related issues!

Perhaps you should have asked more questions when you took the product. Perhaps you should have read the summary box on the credit agreement you signed.

I agree that reference to 12 months should have been overt in the marketing materials. I agree that any sales staff should have verbally drawn the clause to your attention. But you made £32 that a "normal" credit card wouldn't have given you.

Susievintage

I can see why you call yourself "opinions4u"!

I did not call myself a victim.

In future I will leave concise questions only. Consider me suitably chastised.

anoncol

Susievintage wrote: »

Hello michaels

That's a really good thought - I'll investigate whether I can simply apply again and get the first year free...

So much for your principles!

Susievintage

Touche! But actually, my principle - if you read earlier posts - is not to pay for a credit card, so this fits in perfectly.

anoncol

Susievintage wrote: »

Touche! But actually, my principle - if you read earlier posts - is not to pay for a credit card, so this fits in perfectly.

I thought it was the massive merchant fees?

Susievintage

Thanks to Th1984 and michaels for taking my enquiry seriously and trying to help. To everyone else, I hope that the sniping and one-upmanship brings you some pleasure - if what you wanted to do was make sure that I am warned off asking anything again, or trying to explain what I really meant, it has worked. My mistake (now corrected) was to think that forums were meant to be helpful rather a showcase for semantics.

dalesrider

my principle - if you read earlier posts - is not to pay for a credit card, so this fits in perfectly.

Opps.....

Susievintage wrote: »

. It's a hassle, now that I have to find another credit card, but I'm not out of pocket.

Susievintage wrote: »

.
But as they were so unsurprised and so willing to refund the fee, it made me wonder: were lots of people given the same mis-information as me, about the credit card remaining free for current account holders? Is it yet another example of mis-selling?

Its quite common to simply refund for things like this. As it save's a complaint being raised to a higher level.
But given you were missadvised, then a complaint should have been opened.
Time to go back to branch and ask if they have loged your complaint....

As to applying again :rotfl: Well they might let you apply, but, I would not hold your breath on getting one, and then getting hte £24 fee back again.

Gromitt

LindaLee wrote: »

veg soup is far far than tomato sauce >>>> good luck

The first time was funny considering the context, but now I'm just wishing there was a down vote button. Heck, it doesn't even make sense!

Chris2000

Susievintage wrote: »

I didn't actually ask whether having a cashback card is a good idea, or worth it for me, or good business for the credit card company, but only whether anyone else had been given the same misinformation by Santander!

I remember a post on here at the time, maybe even by someone claiming to work for Santander, suggesting that the credit card would be free every year for 123 current account customers. As someone else has mentioned, the online advertising only stated that the first year would be free and so did all the paper mailings they sent me.

I expect many people have been given incorrect or partial information by Santander staff, considering how heavily they are promoting this card. Although it sounds like they are doing the right thing by refunding the fee and closing accounts if customers ask.