Royal Bank Of Scotland Credit Card

Advantages: Big Bank
Disadvantages: Slow unreliable

Please note that the following commments relate to my experience a couple of years ago now. Things many have improved but I suspect not. For manuy years I had an RBS card, laterly the gold one. As soon as the gold card was introduced problems started to occurr. What I found happened almost every month was that the statements arrived AFTER the last day for interest free payments. I complained about this many times and was brushed off with the excuse ...
...other mail tended to arrived so late. On some occassions the statments never arrived at all and I had to request duplicates. The long and short of all this was that rater than pay off the balance before incurring any changes (as I tended to do) they kept applying charges since I always ended up paying after the interest free period. A more cynical person might have suspected that this was the real reason behind the statement delays <grin>. There ... Read review

Advantages: Excellent friendly customer service
Disadvantages: none experienced to date

I'm very pleased with my RBS credit card. I applied on-line which didn't take long and within seconds I received approval on-line, including details of my credit limit and a credit agreement to print off there and then. One of the best things about the on-line application was that it was very quick and I had instant peace of mind that my application had been receievd and processed. I returned my completed credit agreement by post that day and a few ...
...couple of cards on line in the past as I tend to switch around to make the most of competetive interest rates. The RBS card has a good introductory rate - one of the best at the moment. The speed of their application service has to be the best I have experienced on line. My account has been running very satisfactorily since the account was opened and I am particularly impressed with the customer service I have received. Being in the Finance industry ... Read review

Advantages: interest free for 6 months
Disadvantages: poor relation of the rbs slow transfers poor customer service

the RBS is an ok bank but the RBS Credit Card (Mastercard) is the poor relation and does not deserve the RBS brand I made some transfers into the RBS credit card at the same time and earlier than my RBS account and a Visa credit card and guess what ... the RBS take days longer for payments to be received to the account. When you call them you have to call the 0870 premium rate number (as opposed to my other banks being 0845 and 0800 nos) Most ...
...is slightly more infuriating than the average. The frustration really hits home when you have to try and have a conversation as the staff struggle with the question 'has any money been paid IN' or 'credited' or 'received' and they are keen to give a lecture about how a payment in was actually a 'refund' (which actually wasn't the case) This frustration is compounded when it transpires they will not willingly help you find your long awaited credit ... Read review

I will avoid RBS at all costs. I had a credit card with RBS, but they failed on several occassions to mail monthly statements. Many times, I caught the problem and made a payment anyway. But then one month when they didn't send a bill, I didn't catch it. That ONE time resulted in RBS sending me totally nasty letters, though I made a payment within a few days of the due date. I then simply paid the credit card balance in full to avoid any future problems, since RBS is not reliable with their billing statements. RBS attitudes are horrid and customer service is not in its vocabulary. Employees harass about other services they provide, even though you insist you're not interested.

I have the RBS Platinum Mastercard. I took advantage of their 2.99% until balance is paid off deal. Everything was fine for the first couple of years. In June '07, my daughter was in the hospital for 5 days and things that had arrived in the mail got mislaid. Among the mislaid items was my RBS bill. I paid it 2 days late and lost the 2.99% promo rate, which I expected and was charged a $39. late fee. I had not been late EVER with a payment since I opened the account 5 years ago. Well, they would not return my promo rate, which I was not surprised, but they refused to refund the $39. fee. This is absurd! ONE late payment in 5 years of steady use. PAY ON TIME!!!!

Advantages: Lower interest than parent company Provident
Disadvantages: High Interest compared to other lenders, no online banking or online account management.

...-paid Debit Card. I recommend Paypal's as you can avoid top fees if topped up via your bank account on their site. Of course other cards are available but they all charge for topping up along with the Paypal card if topped up at a Pay Point (£1). Also paypal's has a chip and pin and is issued by The Royal Bank of Scotland. You have to pay for the cards however no credit check is required.... Read review

Ciao members have rated this review on average helpful

Advantages: TRUST AND A HIGH LIMIT
Disadvantages: NONE

...I HAVE A ROYAL BANK OF SCOTLAND RSPCA CREDIT CARD WITH A £4000 LIMIT AND I DO NOT USE IT VERY OFTERN IN FACT THE LAST TIME I USED IT WAS CHRISTMAS LAST YEAR, SO I WAS VERY DISTURBED TO FIND THAT SOMEBODY ELSE HAD BEEN USING IT FOR SERVICES ON THE NET. I RAND THE ROYAL BANK OF SCOTLAD CREDIT CARD SERVICES STRAIGHT AWAY AND THEY WERE VERY HELPFUL THEY CREDITED MY ACCOUNT WITH THE AMOUNT THAT THE FRAUDSTER HAD USED AND SAID THAT THEY WOULD INVESTIGATE THE PROBLEM STRAIGHT AWAY I WAS VERY IMMPRESSED AND REASURRED I WOULD RECCOMMEND THIS CREDIT CARD COMPANY TO ANYONE IN THIS DAY AND AGE THERE IS SO MUCH CREDIT CARD CRIME THAT IS NICE TO HAVE A COMPANY YOU CAN TRUST.... Read review

Ciao members have rated this review on average somewhat helpful

Advantages: Good level of customer service
Disadvantages: high interest

...I’ve had a Barclaycard for about three years. There was no special reason for choosing them over a different card, except for the fact that I applied and they accepted me. Until recently I was quite happy with my card, I spent the money, they sent me a bill, and after I picked myself up of the floor, I paid it. I have had reason to telephone their customer service line on a couple of occasions and could usually find any information by pressing a few numbers, the times I did speak to a customer service representative, I found them to be polite and helpful. However, I have recently become disillusioned. It started with the Royal Bank of Scotland Credit Card advertisement on television. It shows the interest rate of their Credit Card compared to other cards available. Barclaycard is top of the list for high interest rates... Read review

Ciao members have rated this review on average helpful