NatWest 0% Spending Card APR

Maple08

I just got access to the app and it states that the APR is 23.9%, located under the credit limit - is this what others also see?

The pre-contract email states that it's 0% for the first 23 months but the app says the APR is still 23.9. I'm just used to paying things off in full each month and just want to be sure, as I'm now going to pay only the minimum for this card.

tizerbelle

Just checked the app for my Natwest Mastercard - and it says APR 0%.   I have had this card a while though (the 0% runs out in Feb 2024).

What do your statements say on page 2 under Summary of Balances and Promotional Offers.  Both make mention of the 0% rate and the offers even shows the expiry date.

Maple08

Unfortunately I don’t have access to that if it’s I’m the app. Going to wait for the card to arrive and then I’ll ask support. Thanks.

RealBobbyDazzler

Maple08 said:

I just got access to the app and it states that the APR is 23.9%, located under the credit limit - is this what others also see?

The pre-contract email states that it's 0% for the first 23 months but the app says the APR is still 23.9. I'm just used to paying things off in full each month and just want to be sure, as I'm now going to pay only the minimum for this card.

Hi, did you sort this out?  I also did the exact same as you for a card and it's also showing 23.9% APR in the app - not had my first statement yet but concerned as did a big balance transfer.

Did yours update to 0%, or did you manage to clarify?

Thanks

Maple08

RealBobbyDazzler said:
Hi, did you sort this out?  I also did the exact same as you for a card and it's also showing 23.9% APR in the app - not had my first statement yet but concerned as did a big balance transfer.

Did yours update to 0%, or did you manage to clarify?

Thanks

It's still showing 23.9% in the app and I called them up. The agent said that they have to show that APR but that I still have the 0% interest promotional rate for the 23 months for purchases/balance transfers. Balance transfers need to happen within the first three months but the purchases can be whenever.

You should give them a ring if you're unsure, just to check. I also haven't got my first statement. 

hjghg5

Mine also says 23.9 but the statement said 0% when it came through