Do you plan on getting a credit card for your overseas adventure but don't know where to start? The Nationwide Credit Card is your best option with its features and benefits, especially if you're planning to go abroad.
Whether you want to spend your money in another country, you simply want to go and get groceries, or pay off your remaining balance, the Nationwide Credit Card has got you covered. The card even lets you choose from two vastly different options depending on your credit needs.
If you're interested, check out the article below to learn more about how to apply for the Nationwide Credit Card.
Two Options For Your Credit Needs
The Nationwide Credit Card offers two options when you sign up for the card. These are the Balance Transfer Offer and the All Rounder Offer.
Both options have their distinct feature that will cater to your credit needs.
You will need to decide which one fits your lifestyle in the long run, as you won't be able to switch between options after you have chosen one.
Balance Transfer Offer
The Balance Transfer Offer lets you transfer your credit balance from another credit card to this account.
If you want to put all of your balances into a specific card, this is the best way to go. You will unlock a very long period of interest-free credit, which can help you pay off your balance.
You only need to make the balance transfer within 90 days of opening the account to activate this option, and you'll receive a 0% interest rate on balance transfers for 18 months. You also receive 0% on purchases for the next 3 months.
All Rounder Offer
The All Rounder Offer is meant for people who want to spend more on purchases instead of their credit balances.
With this option, you get a 0% interest rate on purchases for the next 15 months and 0% on balance transfers for the next 15 months.
If you want to have more flexibility with your card, this is the best option to take. This makes purchases on your card a lot easier, as you have a longer period to pay off your interest.
Nationwide Credit Card Features and Benefits
Apart from the two major options when signing up, applicants can also expect even more features and benefits with the Nationwide Credit Card.
These features are available when you sign up for the card and can be used immediately when you activate your card.
No Annual Fee
One of the best parts of owning a Nationwide Credit Card is that you don't have to worry about paying a monthly or yearly fee for just having the card.
This can help you save a lot of money from paying a maintenance fee for your card.
Unlike other credit cards that charge you, the Nationwide Credit Card just lets you have more without costing anything.
Use the Card Everywhere
The Nationwide Credit Card is accepted in all establishments in the UK, but you can also use the card almost anywhere in the world.
It does not cost you anything to use the card to pay for your purchases while you're abroad or having a vacation outside of the UK.
You won't be charged with any conversion fee when using the card, but if you do use the card to withdraw cash, you might have to pay a fee depending on the ATM.
Safe Eligibility Checker
One of the few problems when it comes to applying for credit cards is that you will have to undergo an eligibility checker.
Most eligibility checkers often affect your credit score. With the Nationwide Credit Card's eligibility checker, you will never have to worry about it as it will leave no record on your credit report.
You can check your eligibility, including your interest rates and many others, before you even commit to applying for the card.
Interest Rate and Other Charges
Once the introductory period ends, your interest rate will revert to a variable APR of 24.9%, depending on your creditworthiness.
Your credit limit will also be based on your credit score during your application. You will also have a balance transfer fee of 1.5% of the total amount for the first 90 days, then it will revert to 2.4% after the introductory period.
Take note that there will also be a minimum fee of £5 when you make a balance transfer.
Things to Remember Before You Apply
If you're interested in applying for the Nationwide Credit Card, there are certain things that you need to remember.
These are some of the requirements for you to be eligible to apply for this amazing credit card. Check them out below.
Eligibility Requirements
You can only apply for the Nationwide Credit Card if you are above the age of 18.
You must be a UK resident with a minimum income of £5,000 per year before tax is calculated.
You must also be a member of Nationwide Bank and have an account with them before you apply.
Read the Terms and Conditions
Always make sure that you review the terms and conditions first before you continue with your application or when you submit your application.
The Terms and Conditions contain all the necessary information about the credit card and how you're going to use it.
Read it thoroughly, then proceed to the application once you're ready.
Required Documents
You will also need to prepare some documents, such as your address history for the past 3 years.
You will also need to submit your employer details, annual income, and monthly expenses. This will help determine whether you're able to pay for your balance.
If you choose to transfer your balance, you are required to submit the 16-digit card numbers of the credit card you're transferring from and the amount that you want to transfer.
Applying for the Nationwide Credit Card
To apply for the Nationwide Credit Card, simply head over to the official website and log in to your account.
Click Apply and fill out the online application form. Take note that you will need to use the eligibility checker first before you can proceed to apply for the card.
Upload all the necessary documents, then review the application form before you submit it.
Wait for their notification for approval, and the card will be sent to your mailing address after that. Once received, activate the card, and you can use it immediately.
Contact Details
If you have further inquiries, you can always call their customer service hotline at 03456 00 66 11 or +44 2476 43 89 97 if you are abroad.
A bank representative will be able to assist you with your inquiries. You can also contact them to ask for updates on your applications or if there are any new promos for the card.
Visit their main office located at Nationwide Building Society Nationwide House Pipers Way Swindon SN38 1NW.
Conclusion
If you prefer a low-cost credit card that lets you have flexibility depending on your needs, the Nationwide Credit Card is the proper solution.
You don't have to worry about paying off your debt or purchasing the things that you need when you have this amazing credit card.
Note: There are risks involved when applying for and using credit. Consult the bank's terms and conditions page for more information.
