Applying for this credit card was simple (typically!) and the rates were good. When I signed up for the online banking I assumed it would be as simple as my current account online banking (with another bank). The site is un-navigable, it is nigh on impossible to actually pay a bill! I had to set up a direct debit over the phone to amend the date (which was set to be the end of the month - right BEFORE payday!). I have just tried to pay off a portion of the bill inbetween direct debit payments and I can't! There is no (findable) function for making a payment. What a joke?! There are two basic requirements of credit card banking - spend money, and pay it back. Or did I get that wrong?!

I held an RBS credit some 4years ago but every time I tried to use it abroad RBS refused it despite it having been used for booking relevant airline or ferry tickets. I cancelled and destroyed it in exasperation. In 2008 I tried again to see whether the service was any better. I requested a one year only insurance for loss. RBS gave the credit card details to the insuring company but also gave them my debit card details without authorisation! Later, a second year's insurance was charged to my account,again without authorisation (but it was in the small print which I had not read because I had specified only one year). I have just tried to use the card again but it has been refused! So goodbye RBS for ever.

Held this RBS card for over a decade. In that time I have have just this one dispute where the on-line merchant did not send all of the goods purchased. I disputed the transaction with RBS. I send every document asked for as soon as it was asked for. They said I was clearly in my right as the merchandise was not delivered to me as the merchant had advertised and I paid for. Then RBS sends me a letter saying I did not comply within 60 days of the dispute. RBS, TAKE YOUR CARD AND SHOVE IT!I closed my account as soon as that letter was delivered. I did everything they asked of me, when it was asked of me and they closed my dispute because they said I did not comply within the 60 days?!?!?! Do NOT get sucked into this POS bank people. And FAIR WARNING>>>> They do the Kroger Grocery cards as well. You will just coast along as I have for a decade until you need service and it will NOT be there. Do NOT get sucked into this POS company. Period.