Royal Bank of Scotland Platinum Credit Card

stayy away from RBS credit cards, absolutely rrubish and very expensive

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.

I have tried to get hold of RBS on a few occasions to find out information on my card - after waiting on hold each time for over 40 minutes I gave up - I am currently trying again and have now been on hold for 42 minutes.

The level of service on their phone system is disgusting.

I applied for a Royal Bank of Scotland Platinum credit card and transferred money to my account. I was clearly told that there would be no interest charges, as me transferring money to my account would be treated as paying the credit balance. When I got my statement I had been charged interest!!

I have been a customer of the Royal Bank of Scotland for over 3 years, and I am happy with their services so far. However, I did miss one of the payments on my Platinum credit card and ended up paying a £20 late fee, but then it was refunded when I talked to the customer service. So they do listen to you, as well and treat you as an individual.

I mislaid my purse and cancelled all my cards. I was on hold on the Royal Bank of Scotland Platinum Credit Card line for a while before getting through. When I found my purse my husband suggested a courtesy call. After waiting for half an hour on hold I gave up. I wouldn't like to be on hold if my cards went missing abroad!

It took 8 weeks to get my Royal Bank of Scotland Platinum Credit Card, and even then my credit limit was very low. I was told when requesting an increased limit that they required 3 payslips to be faxed, which I duly did. No reply after 2 weeks. Phoned again to find out that they need bank balance sheets now.

RBS charged me an arbitrary 25 pounds fee for failing to communicate with my new bank to set up my new direct debit properly.

Acknowledged my previous payment history was perfect.