Natwest Credit Card Review

Overview

Classic Credit Card - If you're over 18 and earning at least £10,000 a year, the NatWest Classic Credit Card is the simple way to take control of your finances.

Gold Credit Card - The Natwest Gold Credit Card is available to those over 21 and earning at least £20,000 per year and with 0% interest to pay on balance transfers for 13 months and 0% on all purchases for six months you could make some real savings.

Platinum Credit Card - The NatWest Platinum Credit Card is the perfect compliment to your status with everything from wine club offers to protection against fraud and identity theft for those over 25 and earning at least £25,000 per year

Who can apply?

You must be over 18 - a UK resident and have a landline phone number. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying. .

Credit Card Application Process?

The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions.

If you apply online between the hours of 8am-8pm Monday to Thursday, 8am-5pm on Friday you could get an instant decision.

What are the benefits of a Natwest credit Card?

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking
• Make your Classic -Gold or Platinum Credit Card payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment
• Share the benefits of your credit card with a spouse, partner or close friend by adding an additional cardholder for free

What are the credit card charge rates?

Card issue fee               Free
Typical APR Rate         Typical 39.9% APR variable.
Intro Offers               0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.9% (minimum £5) during the first three months from account opening 1 - 0% interest on purchases for 6 months from account opening - Enjoy an interest free period on purchases made with your Classic Credit Card - up to 56 days - if you pay your current and previous month's balance in full and on time

Annual renewal fee            Free

Default Charges?

£12 if the account is over the credit limit at any time during a statement period or if you fail to pay on time; administration fee of £10 to process dishonoured cheque or direct debit

What is the minimum payment I need to make each month?

Greater of 2.25% of your balance (rounded down to the nearest pound) or £5 each month. Please note: we do not recommend that you only ever make your minimum payment.

Payment Protection Plan option?

Protect your repayments against involuntary unemployment, accidents and illness, for just 79p for each £100, or part thereof, of the highest balance on your statement that month.

While you can't work, Payment Protection pays up to 10% of your outstanding balance per month, for up to a year, direct to your NatWest Credit Card. You need to have been in paid employment for at least 16 hours a week for the last six months. You can select Payment Protection when you apply for your card online.

Where do i make a Complaint?

You can write to the Customer Relations Manager. Please quote your account number, branch sort code, details of your complaint and what you'd like the Bank to do to resolve it.

NatWest Customer Relations
FREEPOST NAT12685
BOREHAMWOOD
WD6 1BR

They have procedures in place which will make sure they handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Please contact  Customer Relations Unit number is: 0800 015 4212 .  Lines are open between 8am and 8pm Monday to Friday and 9am to 5.30pm on Saturday. Please note that calls are charged at national rate.

Your right to cancel?

Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to Natwest Card as stated in your information pack.
If you cancel this agreement, you will still have to repay any money lent to you. But if you repay all of it before your first payment is due, you will not have to pay interest or other charges.

Want to write a review or post a comment?

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Main Features

Stop paying interest on other credit and store cards. Transfer your outstanding balances to a NatWest Credit Card today and they won't charge you a single penny in interest for 13 months.

         
Issued By:
National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 135 Bishopsgate, London EC2M 3UR. Authorised and regulated by the Financial Services Authority. NatWest is entered on the FSA's Register and its Register number is 121878. The FSA's Register can be accessed at www.fsa.gov.uk/register . NatWest's registered VAT number is GB 243852752.

Disclaimer All credit card APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the Natwest Card agreement fully and carefully before making any agreement.