I disagree with the previous writer who appears to not have a clue on how to get a credit level raised. I wrote a polite letter to Air Miles the month I received the card and they confirmed a very useful uplift by return of post. Perhaps my credit score has something to do with it.
i have had this card for years, i have awlays found them just like any other card i hold.
only last week i found i had been subject to online credit fraud and found 6 items on my statement i had not bought, i rang they were great, they took all of them off my statement and told me to do the same and pay for what i had bought. 5 days later i got my new card.
no complaints here they seem fine by me.
oh and i have a whopping £3800 credit limit and im no millionaire, so i would suggest no problems here either.
Airmiles card is one to keep clear of.
Ever since having the card and its incredibly low £500 starting limit I have had problems staying within the limits, found it impossible to get the limit raised within the first 6 months and even after that the limit was raised by £300. The attitude of the staff is inflexible in the extreme, it does not matter to me how many times someone says they are sorry, if they can't effect the outcome whats the use!
I will be canceling my account and going back to a more useful card!
I give them 1 star but they don't deserve any
I took an airmiles card to, well, collect airmiles. I found Natwest unhelpful and difficult to deal with. e.g. - - Will not give you online statements unless you bank with Natwest! What this really means is they don't have the technology and are using an excuse. - Useless £1,000 credit limit & refused to increase it in the 1st year!! - even though I earn £40k +, have no debts other than a small mortgage & now have 2 cards each with £7k limit! - My card was used freudulently & had to be cancelled. It took them 2 weeks to send a replacement during which time I had to pay my work expenses from my current account overdraft! They refused to help when I most needed help. To make matters worse they didn't even send me confirmation of the fruedulent charges until I had asked 3 times. - Calling them is painful - several layers of automated response stuff, i.e. chose 1 of the following 5 option, then 1 of the following 6 options, then punch in your card number & your security details. Natwest people are obviously expensive and computers / IVR kit cheaper. In can't think of anything positive except the airmiles and even then they are useless. These days airmiles do not offer value - it's difficult to get a flight that you don't have to pay cash as well as airmiles - even if you have '000's airmiles - so you may as well log onto easyjet or even ba.com as you'll probably pay the same as the cash element with Airmiles. So, Airmiles are a con - they used to be a good loyalty scheme but not anymore.
I have been an AirMiles MasterCard customer for nearly a year now and have only been impressed by the level of customer service I have experienced. The call centre staff have always been helpful and polite when dealing with any queries I have had. The APR on the card has been reduced and is now very competitive as has the intro rate of 1.9% for 6 months. It is very easy to build up a valuable amount of AirMiles quickly with the introductory bonus of 450 miles and then one mile for every £20 spent. This is the only card that will give you such large bonuses of miles. Every month I get a statement with an excellent insert giving me really good deals on holidays when using my miles. Overall I am a very happy customer!
Receiving my monthly bill with an apparently rogue entry I immediately picked up the phone. 3 minutes pressing buttons and getting a balance report that I didn't want brought me to being put through to Customer advisor. 5 minutes late , no reply, clocking up a bill, put phone down to write. No reply within a week (bill nearly due to pay) tried 3 times more on phone: waited fro ages, very nice music, no person on the other end. Looked for an e-mail adress : can't find one. Went to Nat West Mastercard website and left a message about my problem and couldthey pass it on please. I need to change cards to one with at least an e-mail adress and a person on the phone. Mistakes happen, thats not the point, I work in Local GOv, often maligned ut always available!
Before we go on, it should be stressed that this card is operated by NatWest, and the dead hand of that crap organisation rests heavily on the Airmiles MasterCard, the only card you can get which gives you airmiles as you spend. Over the years, I have had accounts with four banks – TSB, Halifax, NatWest and Barclays, and have my mortgage with the Nationwide. Of those, Nationwide and Barclays have been generally OK at worst, and NatWest has been aggressively dismal. Firstly, the APR is pretty standard. We got this card as a joint card, to be used to buy furniture and shopping and other things that Mrs Lazenby and I were buying together (we maintain separate bank accounts). We decided on the Airmiles one because the interest rate was totally irrelevant. We intended (and have continued) to pay the balance off every month, so what interested us was the bonus of getting airmiles. Some people accumulate these things and never cash them in, but we are flying to Italy for free in September because of airmiles, and so hoped to accumulate more. If collecting airmiles is your only goal, this card does that, and so you’re laughing. However, if you object to howlingly bad customer service and generally contemptuous treatment, you might want to look elsewhere for your credit. 1) Setting up Most credit card companies are, in effect, too eager to sign you up. They use rather arbitrary and incompetent credit reference agencies to check you out, but so long as you score correctly, credit card companies will normally give you enough cash to buy an entire Tory Cabinet. Therefore, NatWest’s approach might appear to be responsible, ringing up to check that you are who you say you are. However, ringing you up at work and accusing you of inventing your job and company, because NatWest are using out-of-date and notoriously inaccurate data to assess your application is a slightly inflammatory way of approaching new customers. Eve
n when NatWest realised that my partner’s company was not a figment of her imagination, they never apologised for being rude and aggressive when calling her at work to make their accusations. 2) Credit Limit We were given, on a joint credit card, a limit of £1000. This is, frankly, peanuts compared to anything else I’ve got. When we rang the Customer Helpline (on hold time: 10 minutes) we were eventually dismissed as not having a NatWest account and thus not deserving a higher credit limit – there is, of course, nothing in the literature to indicate that there is some sort of non-customer apartheid in operation. We pointed out to the rude woman that we were intending to pay for over a £1000 of furniture in the next week, and for several other items over the next month, but all she would do was tell us to fax a begging letter to another department in working hours, and they’d ‘think about it’. So we used my Barclaycard instead and worked it out later. 3) Lost cards In an episode of genuine incompetence, I lost my wallet in South London last Thursday (anyone who found it is probably still laughing at the genuinely hilarious photograph on my UGC Unlimited card and wondering what to do with the fiver) and having been daft enough to do this before, I knew what to do. I had to phone four financial institutions (Halifax, Barclays, Marks and Spencer and NatWest). The comparison is simple – I got through to the first three in seconds, and all of them were sympathetic and helpful – all said my card would be with me within three to five days, but on Saturday morning, I received replacement cards from all three of them, a total of two days. I was on hold with NatWest for thirteen minutes, received a blunt and dismissive response from a very unsympathetic call centre person, and was told my card would arrive in six to eight days. Given that I know three other companie
s could do the job in two days, and the NatWest one is still not here, I know that they just aren’t as good as other people. So there you go.