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| Value for Money | 2.8/10  |
|---|---|
| Overall rating | 2.4/10 |
Full review by
Guest.
on 18th Jul 2008
User Rating : 0
Respect :
0
Since opening a Natwest student account I ' ve had nothing but problems. The staff don't know what they're talking about and then make me feel like a terrible customer when I go to make a payment on my credit card without the slip at the bottom, bearing in mind I ' m a student who doesn't carry bank statements round everyday and who doesn't drive so if I ' m passing a Nat West bank and I ' ve got my card I might just want to nip in and make a payment.
The problems started last july when I tried to apply for a student account online to get the fee webcam. I encountered some difficulties so phoned the helpline who told me to go into my local branch and complete the application there, where I would still be eligible for a webcam as I started the application online. So I did, and confirmed I would get the webcam, which, no 12 months on I still haven ' t received. So anyway the application went through and they sad I would receive my card within 10 days, 10 days passed, no card, so I rang the branch. "Oh your card is here Miss, waiting for you to pick up". Thanks for letting me know!! So I aid for a taxi to town, no card! "No no, your card is on its way to home address" So paid for a taxi back, waste of time and money! Eventually after 8 weeks of applying and waiting, the card arrived.
So now, perhaps this should have out me off, and yet I still went on to apply for a student credit card. Wish I hadnt now! Application was successful, card arrived. Fine. Never use the card for a very long time, was jus for emergencies. When I did eventually use the card and received my statement I noticed a direct debit had been set up on the account to take the minimum payment ot of my student account every month. Now as far as I am aware, you are suppose to be asked if you would like to set up a direct debit?! So, knowing that it was unlikely there would ever e sufficient enough funds to pay this direct debit I rang to cancel it and got an apology for the incorrect way in which it was set up. Fine? No. I then incurred a £38 charge because I obviously hadn ' t cancelled it in time to stop the next months direct debit, which I hadn't been warned about. However, being at uni and receiving so many letters I failed to notice this and continued to pay the minimum every month myself by going into a branch.
I have now finished uni for the year and decided to organise all my bank statements etc and discovered this £38. So I rang to find out what it was all about. They explained that when there wasn't enough funds to pay the direct debit, I am charged this ridiculous amount of money. And apparently it is compulsory to have a direct debit set up in the first 6 months of your student credit card. So, why wasn't I told this, and 2; why was I able to cancel it after 2 months?
I have never experienced so much problems with anything else in my life. And I ' m not the only one, everyone I know who banks with Natwest wishes they never had.
I just cant wait to be earning enough money to pay everything off and never have to deal with them again.
Whats more is, with all the problems and incorrect information I have been given, I've probably spent more than £38 on phone calls because when you have a problem, you have to pay to sort it out!
Guest.'s review and ratings | 625 words
Review by
Linda shih
on 27th Feb 2008
User Rating : 3
Respect :
0
I applied for NatWest credit card when I was student, and hold it for around 1.5 yr. I get a credit limit for £350 but this limit isn't enough for me when I travel (I use it to buy airtickets). I've been charged by 'Overlimit Fee' £12 several times, and have requested to increase my credit limit but was refused without a reasonable reason. Therefore, I have to treat this credit card as a 'Debit Card': I deposit fund to increase my credit limit. However, even so, I receive bill of 'Ov ...
Linda shih's full review | 100 words
Review by
redmonkey
on 14th Jan 2008
User Rating : 9
Respect :
0
I applied for a student Natwest credit card at the same time as applying for a student current account with Natwest. Since i had been banking with natwest for four years before that i had no trouble with the process. i had overdraft facilities for my account before but never went into them so i think they knew me and knew i was okay handling finances hence why i was approved the credit card.this is my very first credit card and im an undergrad student.have used my card every month but each time ...
redmonkey's full review | 206 words
Review by
AWILLIA
on 10th May 2007
User Rating : 0
Respect :
0
I am first year student and just applied for a credit card from Natwest with a credit limit is £250. Unfortunately I was over limit on my fifth month by £22. Before I even know it, I got £43 fine. I called the Customer Service to find out what has happened and the answer is ...?
£12 over limit for the fifth month
£12 for late payment
£ 7 for interest rate
£12 over limit for the sixth month (even though I was only late for one day )
Now I asked ...
AWILLIA's full review | 156 words
Review by
Laur
on 27th Jul 2006
User Rating : 0
Respect :
0
I applied for a Natwest credit card, as my student account is with them. I received the first statement and paid it in full. Then just before I received the second statement I received a letter saying the card had to be cut up and returned without any explanation as to why. Pretty confused as to what I had done wrong, I phoned them, only be to told they had changed their criteria and I no longer fitted it. They refused to discuss what the actual problem was. The limit on the credit card was only ...
Laur's full review | 160 words
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