Royal Bank of Scotland Platinum Credit Card Reviews

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1.9 stars
Average rating for this product is: 1.9 out of 5

From 0 ratings and 7 reviews

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Virgin Credit Card0.00%3 months16 months 2.98% or £3.00 fee3 months16.60%
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%

Average Ratings for Royal Bank of Scotland Platinum Credit Card

  • Customer service1.7 stars
  • Value for Money2.2 stars
  • Overall rating1.9 stars

7 Reviews For Royal Bank of Scotland Platinum Credit Card

  • Guest 22nd Oct 2009

    Reviewer rating: 1 stars


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    Held this RBS card for over a decade. In that time I have have just this one dispute where the on-line merchant did not send all of the goods purchased. I disputed the transaction with RBS. I send every document asked for as soon as it was asked for. They said I was clearly in my right as the merchandise was not delivered to me as the merchant had advertised and I paid for. Then RBS sends me a letter saying I did not comply within 60 days of the dispute. RBS, TAKE YOUR CARD AND SHOVE IT!I closed my account as soon as that letter was delivered. I did everything they asked of me, when it was asked of me and they closed my dispute because they said I did not comply within the 60 days?!?!?! Do NOT get sucked into this POS bank people. And FAIR WARNING>>>> They do the Kroger Grocery cards as well. You will just coast along as I have for a decade until you need service and it will NOT be there. Do NOT get sucked into this POS company. Period.

  • Sarah Calvert 31st Jan 2007

    Reviewer rating: 0 stars


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    I have tried to get hold of RBS on a few occasions to find out information on my card - after waiting on hold each time for over 40 minutes I gave up - I am currently trying again and have now been on hold for 42 minutes.
    The level of service on their phone system is disgusting.

  • AGP 8th Jun 2006

    Reviewer rating: 5 stars


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    I applied for a Royal Bank of Scotland Platinum credit card and transferred money to my account. I was clearly told that there would be no interest charges, as me transferring money to my account would be treated as paying the credit balance. When I got my statement I had been charged interest!!

  • lrali Rank: 2nd Lieutenant 23rd Jan 2006

    Reviewer rating: 4.5 stars


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    I have been a customer of the Royal Bank of Scotland for over 3 years, and I am happy with their services so far. However, I did miss one of the payments on my Platinum credit card and ended up paying a £20 late fee, but then it was refunded when I talked to the customer service. So they do listen to you, as well and treat you as an individual.

  • nikkiowilson 23rd Dec 2005

    Reviewer rating: 2 stars


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    I mislaid my purse and cancelled all my cards. I was on hold on the Royal Bank of Scotland Platinum Credit Card line for a while before getting through. When I found my purse my husband suggested a courtesy call. After waiting for half an hour on hold I gave up. I wouldn't like to be on hold if my cards went missing abroad!

  • nimisis 28th Nov 2005

    Reviewer rating: 0.5 stars


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    It took 8 weeks to get my Royal Bank of Scotland Platinum Credit Card, and even then my credit limit was very low. I was told when requesting an increased limit that they required 3 payslips to be faxed, which I duly did. No reply after 2 weeks. Phoned again to find out that they need bank balance sheets now.

  • indiekid75 Rank: Corporal 10th Aug 2005

    Reviewer rating: 0.5 stars


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    RBS charged me an arbitrary 25 pounds fee for failing to communicate with my new bank to set up my new direct debit properly.

    Acknowledged my previous payment history was perfect.