Nationwide Creditcard

hillendale

My brother has applied online for a nationwide credit card and at the end of the application process it said he would find out in 5-7 days rather than an instant decision is this normal or would this mean he is unlikely to receive one .
Any one else had a same message when doing an online application with Nationwide . All advice welcome :beer:
regards

FBThree

Might well be as the Nationwide credit card isn't actually run by Nationwide but another banking institution. I found this out when I went to pay my credit card by cash in a Nationwide branch as I thought cash would be faster payment than cheque. They had to accept it in as cash, and make out a cheque to the credit card company! They did credit cheque same day though.

Bokkens

This sometimes happens with online checks as they may not be able to identify who you are ,where you live,mix you up with another person called Smith,finger error on inputting the information.Then there is always a financial double check if there is anything on your credit rating they are not authorised to clear without first checking with a manager first.
Just relax and wait it will be alright.
To put your mind at rest a little have a look at Martin's credit rating articles and see if you have missed anything.

moonrakerz

FBThree wrote: »

Might well be as the Nationwide credit card isn't actually run by Nationwide but another banking institution. I found this out when I went to pay my credit card by cash in a Nationwide branch as I thought cash would be faster payment than cheque. They had to accept it in as cash, and make out a cheque to the credit card company! They did credit cheque same day though.

Strange ! See:-
http://www.stoozing.com/cards.htm

MABLE

hillendale wrote: »

My brother has applied online for a nationwide credit card and at the end of the application process it said he would find out in 5-7 days rather than an instant decision is this normal or would this mean he is unlikely to receive one .
Any one else had a same message when doing an online application with Nationwide . All advice welcome :beer:
regards

When we applied for the NW card we got an instant decision. Sounds like they want a closer look at the application.

simonts

FBThree wrote: »

Might well be as the Nationwide credit card isn't actually run by Nationwide but another banking institution. I found this out when I went to pay my credit card by cash in a Nationwide branch as I thought cash would be faster payment than cheque. They had to accept it in as cash, and make out a cheque to the credit card company! They did credit cheque same day though.

NW's credit cards are done by a third party, I just dont think its the way like MBNA are beind Virgin etc

YorkshireBoy

simonts wrote: »

NW's credit cards are done by a third party...

Then why does the credit card agreement state?...

This is an agreement between Nationwide Building Society, Credit Card Services, PO Box 5291, Southend on Sea, Essex SS99 6BX and you

...unless you mean Nationwide outsource the 'administration' (and not the underwriting) only?

I do seem to recall though, that the Nationwide credit card team share office accomodation with RBS in Southend.

~Chameleon~

When I recently applied online for one I was given an instant decision and also told what my credit limit would be, but then I also hold a current account with them too which may make a difference.

Dealmad

Wouldnt worry about it same thing happened to me with a credit card company i put it down to that im not on the electrol roll yet as i had only just moved and have not had time.....after i sent proof of though i got offered the card...took longer then i thought but i guess they have to do there checks

BASFORDLAD

Two things

The nationwide credit is run by nationwide only.
Thier processing centre is in southend, the same group of buildings that a lot of credit card companies use for thier credit card processing.

How Do i know this?

I did some contract work for nationwide:)

1andrea

I have just applied and it said they would be in touch in 5 working days so OP let me know how your brother gets on with his application.