Advantages good telephone servicing
Disadvantages slow application service, no online service
The only thing that differentiates RBS Advanta from other cards is that it is slow and disorganised for the most part, and the perks of having the card aren’t that great. Post applicationtelephone customer service staff are quite good, but it’s not something that I really need.I saw the ads for it and it sounded great-0% interest on both balance transfers and new purchases, free travel insurance if you purchase a holiday on your card and a whole list of other things, as well as having the security of knowing that it's from the Royal Bank of Scotland.
Unfortunately things started going wrong from the very start. I found the web site (eventually-after going in circles round the Royal bank of Scotland site) and looked at all the benefits (the most useful of which are detailed above). It sounded great so I clicked on “Apply now” only to discover that the online application form had not been set up, but you could request a pack on the website. Although this should have been the first warning sign, I thought this was a little odd as most other cards can be done on line, but seeing as credit card companies will eventually need your signature anyway I thought it would be OK. After waiting two weeks, no pack had arrived, so I rang up the helpline and got one sent out to me.I filled out the form and sent it back. I heard nothing. I actually forgot about having applied until a conversation at work about credit cards reminded me. So, about six weeks after I’d sent my signed form back, I rang up to see what was going on.
Me: “What’s going on?”RBS: “We’re a little behind on the applications due to the huge demand. I see here you’ve only been at your current address for address for 7 months, so the credit check will take a little longer. You’ll probably hear from us next week.”
This was a bit dodgy because I’d applied for an Egg card after I’d just moved into my new address and that had only taken 4 weeks. (Ok I’ll admit it now, I’m a serial credit transferrer and I needed to shift my Egg card balance).Shockingly nothing happened in the next week.
Or the week after.I rang back. At this point I got the same conversation above almost word for word. I gave up and applied for a Virgin card.
Then the week after my RBS Advanta card appeared out of nowhere! Two weeks, later a letter from Virgin arrived saying I just needed to sign and I’d get a card. I now have two new credit cards when I only needed one-I may just let a balance sit on the RBS one until the 0% interest runs out, shift the whole lot again and never use the RBS one-they’ll probably just make a loss on me.Anyway, I’d already transferred money on to the RBS card before I got the Virgin one. The transfers went through OK, they only took a week.
Access to the account is by phone and letter. I really do prefer online, but the telephone centre claims to be 24 hour (I’ve not crawled in drunk at 3 am yet, so I can’t vouch for the 24 hour thing). I have to admit the telephone service is quite good. The automated part is basic, you can get automated balances and not much else, but you can speak to a person quite easily who can tell you things like transactions.
|Competitiveness of APR|
|Quality of Customer Service|
|Security and Privacy|
|Ease of Application|
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