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file says not promotional

northernstar007
northernstar007 Posts: 1,162
Sixth Anniversary 1,000 Posts Name Dropper
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edited 21 December 2025 at 1:25PM in Credit file & ratings
as the topic says
ive got a natwest card 0% promotion which is showing on my statement and app
but checking clearscore its saying its not 
is it worth getting natwest to update the correct info 

Comments

  • as the topic says
    ive got a natwest card 0% promotion which is showing on my statement and app
    but checking clearscore its saying its not 
    is it worth getting natwest to update the correct info 
    Why would it matter what the description is? The credit report doesn't detail the interest rate applicable to a particular balance (or even what an account is called), just a list of "Credit Cards" and entry(s) "X Lender" an amount and the credit limit.
  • molerat
    molerat Posts: 36,580
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    It will be a Clearscore / Equifax problem.  My Lloyds card is showing as promo rate on both CreditKarma and Experian but not on Clearscore.

    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • Nasqueron
    Nasqueron Posts: 11,829
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    as the topic says
    ive got a natwest card 0% promotion which is showing on my statement and app
    but checking clearscore its saying its not 
    is it worth getting natwest to update the correct info 
    Why would it matter what the description is? The credit report doesn't detail the interest rate applicable to a particular balance (or even what an account is called), just a list of "Credit Cards" and entry(s) "X Lender" an amount and the credit limit.
    The promo rates that are often reported mean that if you're not clearing in full every month it has a different effect to an interest bearing card. 

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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