Legal
Payment difficulties
If you find yourself in financial difficulties, visit our help and advice section.
Important information
Terms and conditions
Nationwide Select Credit Card terms & conditions
Nationwide Credit Card terms & conditions
Gold and Classic cards terms & conditions
Reward card terms & conditions
Calls may be recorded. Provision of these credit facilities does not confer membership rights in Nationwide Building Society.
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 from the day after you receive a copy of the executed credit agreement and credit card from us, you have the right to withdraw from your agreement. You must notify us of your intention to withdraw from this agreement either by writing to us at Nationwide Building Society, Credit Card Services, PO Box 8738, Wigston, LE18 9BG or by phoning us on 08457 998899.
For 14 days from the day after you receive your credit card from us, you have the right to withdraw from the agreement, without having to give any reason. You can do this by writing to us at Nationwide Building Society, Credit Card Services, PO Box 8738, Wigston, LE18 9BG or by phoning us on 08457 99 88 99. If you withdraw from the agreement in this way, you must repay the amount you owe us without delay and no later than 30 calendar days from the day after you tell us that you wish to withdraw. The amount you owe us will be the amount outstanding on your account plus any interest that has accrued on it up to the date you repay us in full. If you telephone us on 08457 99 88 99 we can provide you with details of the daily amount of interest and the overall amount you owe. To repay the amount you owe us, please send your payment to Nationwide Credit Card Services, PO Box 2884, Swindon SN38 1NW.
If you do not repay the amount you owe us within 30 calendar days, we will recover it as a debt through the courts.
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 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 .