Guide to Natwest credit cards
NatWest is part of the Royal Bank of Scotland Group, having been taken over by RBS in 2000. Despite the merger, NatWest and RBS have retained separate brands and NatWest continues to offer a range of products ranging from current accounts to travel insurance – as well as a selection of credit cards.
These include cards which offer rewards on your everyday spending, cards which provide a low rate on purchases and balance transfers, cards with travel benefits, and student credit cards.
Many of NatWest’s cards carry an annual fee, so make sure you check the charges carefully. Some cards refund the fee if you have a particular current account with NatWest. You must be 18 and a UK resident to apply for any of the bank’s cards.
NatWest credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong.
This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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