Managing your credit card responsibly - Trust Us, Trust You.

…to lend responsibly because:

• We always assess your ability to repay your credit limit to ensure it is affordable to you. To help us we use credit reference agencies. We check regularly with them to see if your limit needs adjusting to help you avoid future debt problems.
  
  
• We promise to be open, honest and transparent with you. This means no unwanted surprises - like sending you credit card cheques, or loading commission on your purchases abroad. Unlike most other major credit card providers who charge at least 2.75%, we charge no commission on overseas purchases - which could save you up to £1 in every £35 you spend, and keep your borrowings down.
  
  
• Unlike most other credit card providers, we pay off those parts of your balance charged at a higher interest rate (such as cash) before those charged at lower interest rates (such as purchases). This saves you money and helps you pay off your debt quicker.
  
  
• We will always give you up-to-date and accurate information on your Nationwide credit card, and what it will cost. You can then make informed decisions and be in control of your borrowing.
  
  
• You can tell us at any time if you want to change your credit limit based on your current circumstances (increases are assessed on your personal circumstances). We will tell you how to do that.
  
  
• We will give you lots of ways to pay your bill - by Direct Debit, online or in our branches. You can set up instructions with us to pay each month your full balance, or the minimum amount, or even a fixed sum to help you budget better.
  
  
• If you are ever in financial difficulty we will treat you sympathetically and positively.
  
  
• We share information on your account with credit reference agencies. Other lenders can then see your commitments with us, which helps them lend to you within your means.