There are not a lot of credit cards in the UK that help you manage your finances while also meeting all of your needs, especially when you’re abroad. The Nationwide credit card has everything that you need ranging from zero annual fees, great introductory offers, competitive interest rates, and even more perks.
The Nationwide credit card lets you enjoy your life without having any financial burden. Live your life to the fullest with features that cater to your needs.
If you’re interested, you can check out the guide below to learn more about the features, benefits, and application guide to the Nationwide credit card.
Choose From Two Welcome Offers
When you apply for the Nationwide credit card, you have two introductory offers to choose from depending on what you need from the card. You can choose between the Balance Transfer Offer or the All Rounder Offer.
Both offers have benefits that you can take advantage of in certain situations. If you’re looking to pay off a large debt and transfer all of them into one card, you should be looking at taking the Balance Transfer Offer.
Meanwhile, those who want to make a large purchase and want to pay it off over a long period should get the All-Rounder Offer instead.
Having the Nationwide credit card is great for those who love to travel as you can make purchases and other transactions abroad and never receive a single charge for it.
Interest Rates and Other Charges
Opting for the Balance Transfer Offer will give you a 0% rate on balance transfers for the next 18 months and 0% interest on purchases for the next 3 months. You also do not have to pay any fees when you purchase abroad nor will you ever need to pay an annual fee.
Those who choose to have the All Rounder Offer will have a 0% interest rate on balance transfers for 15 months and a 0% interest rate on purchases for the next 15 months. Once the interest-free period is over, it will then revert to a 19.9% variable APR.
Minimum repayments are 1% of the remaining balance plus default charges and interest due or £25, whichever is the greater. If your balance is less than £25, you will need to pay the amount in full.
Using the Nationwide Credit Card Abroad
The Nationwide credit card is also a great card to use abroad. As mentioned above, you won’t be paying any extra fee for using the card on purchases.
This is quite helpful when you’re on a holiday vacation but be reminded that establishments might have their own commission charges which are out of the control of the bank.
You can also use the card to withdraw cash abroad, especially for emergencies. You will be charged an interest rate on cash rates for cash withdrawals so it is best that you have emergency cash on hand before traveling to avoid getting any charges.
Managing Your Finances With the Nationwide Banking App
The Nationwide credit card can also be linked with the Nationwide Banking app which can help you manage your finances even better.
With the app, you can securely log in to your account with the use of biometrics or your PIN to view your balance, make payments, or search for a specific transaction. The app also has a Savings feature that helps you save more money.
You can also use the app to freeze or unfreeze your card, report stolen or lost credit cards, change your password, and even set up a new bill payment.
How to Apply for the Nationwide Credit Card
Those who are interested in applying for the Nationwide credit card should know that you will need to undergo the no-obligation eligibility indicator that will check for your credit history.
Don’t worry about it as it will not have an impact on your overall credit history. Once you are done with the eligibility indicator, you can apply for the card at the Nationwide website and fill up the online application form.
Submit the application form but be sure to review the details for errors and that you have read the terms and conditions.
Contact Details
If you need further assistance, you can contact their customer service number at 03456 00 66 11 if you’re within the UK or +44 2476 43 89 97 if you are overseas.
A representative will be able to provide you with the assistance that you need for your inquiries and requests.
You can also drop by their main office located at Nationwide Building Society Nationwide House Pipers Way Swindon SN38 1NW.
Tips When Applying for the Nationwide Credit Card
Applying for a credit card, especially in the UK does not need to be very complex. Many credit card providers often look into your credit history to find out how you’ve been managing your finances recently.
They often do this to see how you can manage yours when you are using their credit card. If they do find that you have been struggling, this can be the reason why you won’t be approved for the card.
Worry no further as certain tips will help you apply for the Nationwide credit card more successfully.
Take the Time to Research
There are a lot of different kinds of credit cards to choose from. Make sure that you do your research and take the time in learning how the card functions and what is the purpose of the card in your life.
This is the reason why the Nationwide credit card is by far one of the most popular cards in the UK as you can use it on both regular days or when you’re abroad traveling.
Check for Eligibility Requirements
Before you can apply, you also need to pass the eligibility requirements for most credit cards in the UK.
Applicants must be 18 years old and above and must have some form of stable income to pay off their debt.
Cardholders must also be a resident of the United Kingdom and must always have a good credit history without any instances of filing for bankruptcy.
Improve Your Credit History
Speaking of credit history, many banks usually use a credit rating system that allows them to determine how well you’re handling your finances.
Having a good credit score and an even better credit history makes things a lot easier for you as an applicant. You are more likely to get approved if you have this rating.
Try to fix your credit rating first by paying off your previous debt before you apply for a new credit card.
Conclusion
Getting the Nationwide credit card is a relatively easy process if you have done your research. Be sure to prepare all the information and the documents needed before you apply. Once you’re ready, you can apply for the card and get the easiest approval of your life.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.