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Nationwide: Credit Card reviews

Name: Credit Card
Rating: 4.11 (179 reviews)

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3.81

Based on 179 reviews, last reviewed 5th Feb 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

59%

22%

12%

Latest highest rating:

5

First credit card i’ve ever had First credit card i’ve ever had, and the product offered to me is great, not had to pay any interest yet. Able to set myself an amount limit Reviewed on: 5th February 2025

Latest lowest rating:

1

Don't believe their hype I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of... Read more Reviewed on: 29th January 2025

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About this product

Nationwide Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Nationwide customers like? Find out more about the Nationwide Credit Card by reading our trusted Smart Money People reviews. You can also write your own Nationwide Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Nationwide Credit Card reviews (179)

Review of the Nationwide, Credit Card:

Don't believe their hype

I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of £850.00. Evidently the cheque took a while to get there. No, even though there was still £4,2000 credit available, these idiots at Nationwide not only took a late payment of £10 (no objection) but still with £4,200 credit available, they declined a payment of £8.20. Now you need to be totally devoid of common sense to do that. What is wrong with Nationwide? I am a long term customer. Never been overdrawn, never any trouble, yet the treat me with total disrespect. Nationwide do no deserve decent, good customers. A bank to give a miss. A nd whilst these pen-pushers were telling me they hadn't received the cheque in payment, this morning I spoke to my other bank (Halifax) and they say that the cheque had been cleared. So Nationwide were either lying or incompetent. take your selection. A company that is all talk and just not interested in true customer service. Reviewed on: 29th January 2025

Nationwide is an amazing bank.

Nationwide is an amazing bank. Simple to use and they listen to you Reviewed on: 12th April 2024

easy to use credit card

I use the credit card regularly and like that it pays off the higher interest amounts first. I also feel this lets me manage credit card debt in a better manner. Their interest charges are clear and concise as to how they’re calculated too and not overcharged like others. Reviewed on: 7th April 2024

Lack of transparency no support for customers

Lack of transparency no support for customers Reviewed on: 14th March 2024

They pretend to be a mutual run by its members.

They pretend to be a mutual run by its members. Truth is, they’re just another bank. Reviewed on: 12th March 2024

No prior warning

Nationwide cut my credit limit by 85% without any prior warning or discussion of any kind whatsoever! I have never gone over my limit or not paid on time. Reviewed on: 28th December 2023

Horrible company

I raised a section 75 claim on the nationwide building Society website for a terrible experience that we had as a family renting a villa in Cyprus for a British tour operator (who have now gone bust) after several weeks I had a phone call asking me if we left the property and book up somewhere else. I explained that for the first six days, the tour operator said they were going to move us, eventually saying they couldn’t. There was serious health and safety issues as well as the place was filthy. The gentleman stated on the phone from nationwide credit card because we never left the property Visa would not reimburse us. I did try to explain and ask them to look at the multiple emails we have sent pictures and et cetera he came back with the same answer Case closed down to Visa we should’ve left the property I explained that we didn’t have an option as it was several thousand pounds to book into somewhere (else peak season August ) and we did looking to this and flights. However, they were all too expensive. I was on the money-saving website and posted my experience with the credit card company nationwide. Several people posted back saying that if it was a Visa it was a chargeback After several posts, it become apparent that Nation Wide had gone down the chargeback route not the section 75 I contacted NationWide I had to ask the question several times and they eventually answered it was a chargeback. I have raised a complaint, and apparently they automatically go down the chargeback route regardless if you filled in a section 75. I was not informed of this on the phone and genuinely thought I was being declined on the section 75. You are not told that they are closing the case as S75 . The complaints advisor stated that would be financial advice. What a load of crap. I pointed out that the S75 has nothing to do with Visa and it’s down to the credit card company to decide to pay you or not and charge back would’ve only covered £1000 not the full amount which the S75 would cover. NationWide, are not informing people of this They are automatically going down the charge back route. The only way you would find out is the above or you’ve got part of your money back, according to the complaints advisor, you would then have to re-raise S75 yet you have filled S75 at the beginning the whole thing defaults against the customer, and you are not informed of this. Classic case of having to know the answers before you can ask the question. I am shocked how NationWide are treating their customers. I believe they are in clear breach of the code of conduct and will be taking the complaint to the ombudsman. be warned. We eventually got a full refund from the tour operator, nothing to do with NationWide I will be closing all my accounts and savings with them as soon as the complaint is dealt with Reviewed on: 10th November 2023

Easy to use

Tesco points add up wherever you spend and the triple spend is really worth it. Reviewed on: 16th October 2023

Terrible terrible terrible customer service

The people are nice enough. They are utterly stuck inside a "process driven organisation" where the processes are deeply flawed and hurt their customers. No contact methods (that work) are available to help customers with problems. Awful bank Reviewed on: 7th September 2023

Useful Bank Account,

Very good bank. Always answered any concerns quickly and efficiently. Reviewed on: 5th September 2023

Amazing customer service

over 10 years of banking and the customer service has being so amazing over the years. Reviewed on: 2nd September 2023

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