A lot of us lean to credit cards for many different things. Some want to make our travels more convenient through travel benefits and rewards. Others want to make balance transfers and pay lesser fees every month.
This is why many people are looking at Nationwide Credit Card to resolve all of these financial issues and meet all of their financial needs. It is a very well-rounded credit card that offers everything that you need.
If you’re interested to learn more about the Nationwide Credit Card, check out the article below. You’ll also discover how to apply for the card if you want to take your interest further.
Why You Should Apply for the Nationwide Credit Card
The Nationwide Credit Card is divided into two different types of cards depending on your needs.
There are a lot of reasons to love the Nationwide Credit Card. Each feature is carefully developed in hopes of fulfilling your financial needs and meeting your financial goals.
Check out some of the best reasons why you should apply for the Nationwide Credit Card down below.
Move Your Existing Balance
If you’re currently struggling to pay off your existing balance, the Nationwide Credit Card is here to help you.
You can transfer any outstanding credit balance from one card to this card with a 0% interest rate.
This will help you pay off your debt without having to worry about your interest rate kicking in and adding more charges to your account.
Easier to Pay for Your Purchases
With the Nationwide Credit Card, you can make large purchases and spread the entire cost of your purchases into small, frequent payments.
This type of repayment plan allows users to manage and control their monthly budget more effectively. It helps you become more confident with your budgeting and financial management skills.
You even have an interest-free period, which allows you to pay off your debt without worrying about any extra charges.
Zero Fees When Spending Abroad
The Nationwide Credit Card is also a great credit card to use when abroad. Some credit cards charge you a foreign transaction fee, which makes it more expensive.
With the Nationwide Credit Card, you don’t have to worry about additional charges. Simply use the card at any partner establishments overseas, and you’ll only have to pay for the items that you’ve purchased at no extra cost.
Build Up Your Score
The Nationwide Credit Card is also a great starter credit card as it helps you build your credit score.
Your credit score is very important, especially if you want access to better credit limits, more features, and better financial options.
If you pay off your outstanding balance in full, you can boost your credit score. A higher credit score will open more opportunities for you in the future.
Managing Your Nationwide Credit Card
Managing your Nationwide Credit Card is a major responsibility for any credit cardholder but with the Nationwide app, it is now much easier to do.
You can control your credit limit and stay within the limits by using the app. Nationwide will not increase your credit limit without your permission which means they will either have to call or notify you if they will increase your limit.
Receive Alerts for Better Account Management
You also get alerts when you are about to go over your credit limit or when your introductory offer expires.
Purchases of up to £30,000 are protected, which means they will refund you the amount if something goes wrong. Alongside the alerts, you will also receive notifications for any transactions that you have made.
This makes it easier to track all of your purchases and any other transactions made with the card. You can review your transactions and check for any discrepancies that you can then dispute to lower your bill.
Choose From Two Specific Nationwide Credit Cards
There are two very specific Nationwide Credit Cards that are offered to members only.
These are the Purchase and Balance Transfer Credit Card and the Balance Transfer Credit Card.
From the names alone, you can already tell what the card is all about and who it’s meant for.
If you want to know more about which card suits you best when you first apply for a Nationwide Credit Card, check out both below.
Purchase and Balance Transfer Credit Card
With the Purchase and Balance Transfer Credit Card, you get more time to pay off your purchases and balance transfers with this introductory offer.
You get 0% interest on balance transfers for the next 15 months and 0% interest rate on purchases for the next 15 months as well. After that, the interest rate will revert to 24.9% APR.
Balance Transfer Credit Card
If you want more time to pay off your balance transfer, you can always choose the Balance Transfer Credit Card.
You get almost double the amount of time to help you pay off your existing balance of up to 24 months.
Additionally, you can enjoy a 0% interest rate on purchases for the next 3 months. Your interest rate will then revert to 24.9% APR after the promotional period.
What are the Requirements for the Application?
If you’re interested in applying for the Nationwide Member Credit Card, you should first read the terms and conditions and ensure that you understand all the information.
You should also prepare documents such as your annual income, monthly expenses, employer details, and address history for the past three years.
You must also be 18 years old or older and have an income of more than £5,000 per year before tax.
Applicants must also be a resident of the UK and a member of Nationwide.
How to Apply for a Nationwide Member Credit Card
To apply for the card, simply head over to the Nationwide Member Credit Card page on the official Nationwide website. You will be asked to choose which introductory offer you wish to have, then you will be submitted to the eligibility checker tool.
Once you pass the check, you need to complete the application form and upload the required documents. Review the details before you submit them, and then wait for their notification to see if you have been approved or declined.
You can also head over to the nearest Nationwide branch in your area and apply.
Contact Details
If you need further assistance with your application, you can call their customer service hotline at 0800 055 66 11 (or +44 2476 43 89 97 from outside the UK).
You can also visit their main office at Nationwide Building Society, Nationwide House, Pipers Way, Swindon, UK, SN38 1NW.
Conclusion
No matter your need, you will always have a specific Nationwide Credit Card to choose from. The perfect balance of a long promo period, good credit limit, amazing benefits, and perfect features only comes with the Nationwide Credit Card.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.
