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Legal

Important information

Calls may be recorded. Provision of these credit facilities does not confer membership rights in Nationwide Building Society.

All Nationwide's Credit Card Insurances are underwritten by Pinnacle Insurance PLC and the ACE European Group.

Extended warranty provides a free 12 month cover for many gas or electrical items that cost over £50, and have a manufacturers warranty of up to 2 years, when purchased with a Nationwide Credit Card or Gold Card. Customers must register new products within 60 days of purchase. The policy document contains full details of items that are excluded from cover.

Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.

If you change your mind about your Nationwide credit card within 14 days of opening your account, you can cancel your agreement with us. To do this, you should write to Nationwide Building Society, Credit Card Services, PO Box 8738, Wigston, LE18 9BG and return all the cards we have issued, cut in two and repay anything you owe us under the agreement. Unless agreed otherwise English law will apply and all communications and documentation in relation to your credit card account will be in English.

Where we carry out a search about you at a credit reference agency, the agency will record details of this search and this information will be made available to other organisations to which you may apply for credit. However, you should be aware that multiple credit searches on your credit reference agency records may make it difficult for you to obtain credit elsewhere.

If you have taken out payment protection insurance we may restrict or prohibit the use of your credit card if you claim a benefit from this insurance.

Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW

How to make a complaint

If you ask us, we will tell you how to make a complaint and how quickly we will deal with it. If we cannot settle the complaint to your satisfaction, you may ask the Financial Ombudsman Service to look into it. You can contact them both at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. 

The Lending Code

The Lending Code covers good practice in relation to loans, credit cards and current account overdrafts. It does not apply to non-business borrowing secured on land or to sales finance. The Code contains key commitments and detailed notes on how customers should be dealt with through the whole product life cycle, from marketing and account opening, maintenance and the provision of information on changes to term, conditions and interest rates.. Important protection is also included to help when something goes wrong, including when someone is experiencing financial difficulties.

Nationwide Building Society subscribes to the Lending Code. For more information please visit the Lending Code website.