Nationwide Qualifications?

[wmarat]

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@Anonymous wrote:

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@Anonymous wrote:

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I know when I call with a question they don't try to sell me junk.  And they give you the 1% back religiously every month.  Aside from the application hassles many people have, they don't seem bad.

Barclays?  I like Barclays.  Best recon in town!

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+1

Recently traveled and notified the card issuers I was going and they all tried to sell me something. Not Nationwide.

Aside from that, I like the card as well. Not fancy or attractive is the design (though mine is somewhat older), I got a nice limit and a 6 month auto CLI, but best of all, is the 7.24% APR.

With respect to Barclay's, I reconned from a $6300 to a $12500 limit with 1 phone call and no hassles. So yeah, Barclay's is OK with me too.

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Unfortunately, I have not been so lucky with Nationwide and I can not deal with this institution anymore. I do not remember what my APR with them is, but it is meaningles as I PIF, therefore all my APR's are 0%.

They gave me measly CL, noCLI's (to be frank I used the card 1 time only), it takes from 5 to 10 days to post payment and they have nerve to charge late fee only because they posted payment 10 days later.

CS reps barely understand what they talk about, online banking is just terrible. So good luck with them.

A lot of lenders do not try to sell products (BoA, Amex, Penfed, Addison Avenue, Lake Michigan etc).

Barclay is subprime institution and if you do not have big expectations from them, they are OK.

[Anonymous]

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@wmarat wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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I know when I call with a question they don't try to sell me junk.  And they give you the 1% back religiously every month.  Aside from the application hassles many people have, they don't seem bad.

Barclays?  I like Barclays.  Best recon in town!

---

+1

Recently traveled and notified the card issuers I was going and they all tried to sell me something. Not Nationwide.

Aside from that, I like the card as well. Not fancy or attractive is the design (though mine is somewhat older), I got a nice limit and a 6 month auto CLI, but best of all, is the 7.24% APR.

With respect to Barclay's, I reconned from a $6300 to a $12500 limit with 1 phone call and no hassles. So yeah, Barclay's is OK with me too.

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Unfortunately, I have not been so lucky with Nationwide and I can not deal with this institution anymore. I do not remember what my APR with them is, but it is meaningles as I PIF, therefore all my APR's are 0%.

They gave me measly CL, noCLI's (to be frank I used the card 1 time only), it takes from 5 to 10 days to post payment and they have nerve to charge late fee only because they posted payment 10 days later.

CS reps barely understand what they talk about, online banking is just terrible. So good luck with them.

A lot of lenders do not try to sell products (BoA, Amex, Penfed, Addison Avenue, Lake Michigan etc).

Barclay is subprime institution and if you do not have big expectations from them, they are OK.

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When I pay using the Nationwide credit card site my payments post no later than the morning following the day they say payments will be effected (usually 2 - 3 days) and my available limit is updated immediately.  If I pay with an ACH push from USAA, the payment posts the day following the day USAA states is payment date.  Again, usually 2 days, but sometimes 3.  I cannot think of how it could take 10 days.

Barclays has a variety of cards.  $12k limit isn't very subprime in my book.  I do not know what would happen if I ask for a CLI, but I am not the type of individual to seek higher limits that I realistically do not need.

[wmarat]

I use my CU Bill Pay and it does not show an ACH option for Nationwide. So they cut and mail check. It usually takes 5 up to 7 days to payment to be posted, last time it took 10 days. To be frank, Nationwide credited back late fee today, though I did not demand it (payment indeed was posted late), just mentioned it.

I have Barckay backed card. It is superb card (Ameriprise). CL is 15k and APR still 4.5%, but I still consider Barclay as a subprime lender.

[Red1Blue]

What is the recent interest in Nationwide card by every one? Any thing special about this card?

[Creditaddict]

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@Red1Blue wrote:

What is the recent interest in Nationwide card by every one? Any thing special about this card?

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no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.

but i don't think there credit department was really ready for it to happen

[haulingthescoreup]

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@Creditaddict wrote:

no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.

but i don't think there credit department was really ready for it to happen

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lol, very tactfully put!

[Anonymous]

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@Creditaddict wrote:

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@Red1Blue wrote:

What is the recent interest in Nationwide card by every one? Any thing special about this card?

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no but they were kind of like cabelas for a little while approving everyone it seemed with some very nice limits, 10,15k.

but i don't think there credit department was really ready for it to happen

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Exactly!

They do seem to be confused.