RBS Advanta

am an inveterate credit card churner. It seems the only way to get a decent credit card rate is to change it at a regular interval. First of all it goes without saying it is simply not good money management if you have an outstanding amount on your credit card bill and have to pay interest. However there are occasions when even the most well managed household budget needs to spend money it does not immediately have to hand. If you do and you are caught make sure you have one available with low interest. I had an RBS Advanta card because I had an RBS current account. I have now got rid of my RBS account for reasons that can be seen in my review of that ...  Read the complete review

Earlier this year, I applied online for an RBA Advanta credit card. They wrote to me in early February advising me that my application had been declined. After appealing against their decision, I received a letter from them at the beginning of March asking me to send my bank statements, which I did at the end of April when my bank statements would show annual bonuses etc. A few days later, I spoke to RBS Advanta by phone who confirmed that my statements had been received but had not yet been processed. At the beginning of May, I spoke to them again when they confirmed that my statements had been processed and that a decision would be made within seven days. ...  Read the complete review

RBS Advanta have lost their competitive edge and have joined the ranks of general card providers. This is a great shame as they used to offer a good service with a 24 hour helpline. The hook as with many card operators is a low initial interest rate and then higher rates after a few months. The higher rates used to be similar to the rest of the market so the effort to chop and change was too much like hard work. The interest paid is quoted on the statements as a monthly rate IE 1.49%, sounds quite good really except that this equates to 17.9%. I let things run and threw away without opening the regular infusions of junk mail from other card ...  Read the complete review

RBS Advanta Platinum Reserve Mastercard -quite a catchy and to be fair they have been good. Run jointly by Royal Bank of Scotland & I know not who, I have held this little gem of a card for a a good few years now, dusting it off for the occasional sizeable purchase, it has sat and survived in my wallet whilst all its little friends have arrived, been chewed up, spat out and dispensed to that big credit card heaven in the Sky. Why you might ask. Well they have always been a quiet unassuming credit card company, they seldom bombard me with letters (although speculative loan application forms have been arriving recently), and NEVER EVER a marketing phone ...  Read the complete review

OK, my mistake, I forgot I had already paid my bill so paid it twice by accident. When I spoke to RBS they said they can only refund via cheque in post so I said fine to save argument. Weeks later there is no sign of a cheque, and yet they keep promising it's on its way. They also revealed they can actually sent the money direct back to my account but its too late now. Most annoyingly the cheque is so late they have deducted what is owed for the following month. When I pointed out that they would be charging huge penalties if the tables were turned, they coldly pointed out that they owed me nothing according to the small print of my application. Another ...  Read the complete review