Nat West 0% credit card application - given a different card

I recently applied for the Nat West 0% credit card with a 14 month repayment time and no transfer fee, and was accepted. When I called yesterday to do a balance transfer it turns out I was given the longer time period with a fee of around 3%. I am 99.9% sure I didn't apply for that one (and of course I should have scrolled to the very end of the t's and c's document) but the guy on the phone said I must have done... wondering if anyone else has experienced this? Either my brain is going or it seems a bit sneaky.


  • retiredbanker1
    retiredbanker1 Posts: 315
    First Post Name Dropper
    edited 28 December 2023 at 2:43PM
    Well there is a card offering 0% for 14 months with no fee but were you eligible for that card?
    If not they have given you the card based on their risk algorithm.
  • Nasqueron
    Nasqueron Posts: 8,379
    Name Dropper First Post First Anniversary Combo Breaker
    The application process will always tell you that if you don't qualify for the card in particular, they may offer you a similar one when they do the final checks. It sounds like you were given the Purchase & Balance Transfer card which is 17 months with 2.99% fee as you didn't qualify for the 14 month 0% one (assuming you didn't apply by mistake)

  • Fingerbobs
    Fingerbobs Posts: 1,621
    First Anniversary First Post Name Dropper
    I've on occasion been offered a different card from the one I actually applied for, following the hard credit search. It's always been made clear to me during the application, and I was asked whether I wanted to proceed with opening the card. Yes, it's very annoying, but not as bad as a complete decline! I've never been outright declined credit. 
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