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Find out more about fees and charges for your Nationwide credit card: what they are, when they could apply and how some may be avoided.
Your monthly statement tells you your payment due date and minimum payment amount. If the minimum payment due isn't with us in time to be processed by the due date, you may receive a late payment fee. It's possible to change your payment date to one that's more convenient. To do this, simply call our Credit Card Services team on 0800 055 66 11, who'll be happy to help.
If you've missed a payment
Please don't worry. Here's what you need to do:
Step 1 Make a payment as soon as possible. You can do this online, in branch or over the phone.
Step 2 Contact us on 0800 055 66 11Opening hours
to let us know you have made the payment. We’ll let you know if any charges have been applied to your account.
If a late payment fee has been applied to your account, you do not need to do anything. It will show on your next credit card statement and will be added to your outstanding balance.
Monday to Friday: 8pm - 10pm
Saturday: 8am - 8pm
Sunday: 9am - 5pm
Please get in touch. The sooner you do, the sooner we can try to help.
One simple way to avoid late payment fees is to set up a direct debit. Once it’s set up the payments are taken automatically, so you won’t have to remember to make a payment each month.
It's possible to change your payment date to one that's more convenient. To do this, simply call our Credit Card Services team on 0800 055 66 11, who'll be happy to help.
If you do not want to set up a direct debit, remember to send your payment to us in plenty of time before the agreed date.
We usually process any payment received before 5pm on the next working day. (Mon-Fri, not including bank holidays).
We won't charge you for going over your limit, instead we'll add the amount owed to your minimum payment on the next statement we issue.
We don't think it's fair to charge you a fee for spending over your credit limit on your card but we do recommend bringing your account within your limit as quickly as possible.
Please note being regularly over your limit may affect your credit score.
Text or email alerts when you’re near your credit limit
We'll let you know when you're close to your credit limit. You don’t have to do anything to receive these alerts - just make sure your contact details are up to date.
Alerts are different to marketing – you’ll get alerts even if you’ve opted out of marketing.
What you should do if you go over:
You can do this in the ‘My Details’ section in the Internet Bank, or the ‘details and settings’ section in the banking app. If you’d prefer to speak to someone, you can see us in branch or call us on 0800 055 66 11
An interim payment is an additional payment made to your card during a statement period.
Making an interim payment will get your account back within the limit sooner than if you wait for your next statement and due date.
Interest is calculated and applied per day so interim payments have the added benefit of reducing the interest accrued on your outstanding balance.
If you decide to make an interim payment to get back within your limit, this will be applied to your balance as soon as we receive and process the payment.
Cash advance fees apply whenever you use your card to obtain cash (for example out of an ATM), foreign currency or travellers’ cheques, or you use your card for gambling.
It’s important to note that this can also apply to online gambling and transactions that may not be for the purpose of gambling but are made at an establishment where gambling is carried out, for example: meals purchased in a casino.
We charge a fee of 2.5% of the amount withdrawn on each cash advance or £3.00, whichever is greater.
Please note interest is charged for cash advances on top of this fee from the day that the transaction is made.
We won’t charge a balance transfer fee for any transfers made within the first 3 months of account opening.
For any balance transfer made after this time, we charge 2.4% of the balance to be transferred, or £5.00, whichever is greater.
Please note interest may be applied for balance transfers on top of this fee.
Our fees for using your card to make a purchase or withdraw cash in a foreign currency differ depending on the type of card you have and the type of transaction.
Please note interest charges may also apply for foreign currency purchases and cash withdrawals.
Cash Advance fee
All our cards carry a fee when you withdraw cash, whether that’s in pounds sterling or a foreign currency. The fee is 2.5% of the value of the withdrawal or £3.00, whichever is greater.
Please note the cash advance fee may also apply to transactions within the UK for foreign currency withdrawn at a bureau-de-change/bank/Post Office®. The bureau / ATM owner may also make a charge for cash withdrawals.
Non-sterling transaction fee
This fee only applies to our Nationwide Credit Card and only when your spend is not covered by your commission-free allowance.
You can accrue a commission-free allowance by spending on your card in sterling. For every £100 you spend, you earn £20 worth of commission-free allowance.
The fee is 2% of the transaction amount not covered by any commission-free allowance you may have earned
Payment Scheme Exchange Fee
This fee only applies to our older cards, which are now closed to new business.
A 1% fee is applied to the Visa Exchange Rate, if the currency belongs to a region outside of Visa Europe.
If you’d like more information about the rates, interest and charges for your card, try the document downloads below. You’ll find the detail in a general copy of the Terms & Conditions and a useful summary in a copy of the back of our statements.
If you need to speak to a member of staff, pop into any branch.
If you can't find what you need in our support area, please call us on 0800 055 66 11Opening hours
and we'll be happy to help.
Monday to Friday: 8am - 10pm
Saturday: 8am - 8pm
Sunday: 9am - 5pm