The surest sign that intelligent life exists elsewhere in the universe, is that it has never tried t...
The surest sign that intelligent life exists elsewhere in the universe, is that it has never tried to contact us.
Member since:04.09.2002
Reviews:40
Members who trust:4
I have a NatWest Credit Card and i think its great! i am very dependant on it and it is accepted just about everywhere!
the online website is quite easy to use. their online facilty is great. i check my balance and trasfer, etc all the time on the website. i did have a little problem a few months ago but i was refunded in full. but other than that one time i have never had any problems with the card - no mysterious money missing or unusual charges.
natwest offers you the ability to apply for your account on-line. When you've completed it and clicked on 'send application' you get your application within 48 hours.
you have the option between a MasterCard or Visa, which are accepted in over 19 million outlets world-wide. i went to the USA about 2 years ago - i wont go into the story in too much detail - but lets just say that i dont know what i would have done without my natwest credit card!
there is no annual card fee. Balance Transfer APR of 5.9% until the balance is repaid. Standard APR rates of 17.4% for Purchases and 19.2% for Cash Advances. There is the ability to pay off your monthly balance by direct debit and u can get an extra card for a friend, partner or relative at no extra cost. (i personally wouldnt do this!)
The initial thing that caught my eye and made me apply for this card was the airmiles reward. u get 1 airmile point for every £20 you spend (excluding cash advances). the number of airmiles you earn each month are shown on your monthly statement. i have accumulated numerous points and redeemed them very easily for various outings and offers.all though i was a student when i applied for this, i had no problem getting the credit limit i wanted. i just rang up a month after i got my card and asked them to increase the limit from £300 to £1500. they just asked me why - it was to purchase a desktop computer - and hey presto - pretty eazy!
i must warn you that this credit card has high rates and isnt for those people who cant pay off their bill in full each month. (minimum payment is £5) for those people who cant pay it at all - the late payment fees are very high.
I prefer to pay mine in full each month - online - by transferring money from my natwest account.
on the whole this card gets me through those hard times - of which i have had plenty whilst i was a student. im now a gradute and moving to london - im really gona need my card! but natwest's overdraft facility on the graduate account is excellant - but never the less i will be depending on my natwest credit card for thos initial purchases until my compnay pays me the relocation fee, which i will then use to pay off the credit card!
How helpful would this review be to a person making a buying decision? Rating guidelines
Advantages: Convenience of High Street bank credit card for payments and cash withdrawals. Decent online facility. Disadvantages: Poor loyalty scheme value, extortionate charges.
Briz_Hatchings 10.10.2001 ·
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Ciao members have rated this review on average: very helpful
Review of Natwest Card
Advantages: Excellent on-line service, good for students, air miles scheme, helpful telephone service, sensible credit limits Disadvantages: High APR, high admin charges, trouble using it on certain websites
stuartcorey 02.09.2001 (02.09.2001)
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Ciao members have rated this review on average: very helpful
Review of Natwest Card
Advantages: Excellent on-line service, good for students, air miles scheme, helpful telephone service, sensible credit limits Disadvantages: High APR, high admin charges, trouble using it on certain websites
stuartcorey 02.09.2001 (02.09.2001)
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Ciao members have rated this review on average: very helpful
Review of Natwest Card
Sep 5th, 2002
very helpful by (94%):
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