+ the lower interest rate is great, expecially when you are going to be taking you time to pay ot off. the annual fee is reasonable too.
- customer service with nab is a major problem. when i was looking at getting this card i had representitives telling me the rate was lower then what it was and there was no annual fee. i went away and did my own research and found the facts.
+ A low rate
Absolutely disgraceful customer service ...
I ordered a replacement card as mine was getting old but still working, and they lost it in the internal mail!! The goose in customer service said he would cancel the one THEY lost and reorder another one. Went to use my card that night (a Friday night) and it declined - the fool had cancelled my current one!! All access to my savings and Visa gone until a new card is issued, and on a weekend! When I contacted them, their solution was that I go and withdraw at a branch, ON A SATURDAY!!
The worst part is throughout the whole thing their attitude is "that's your problem", "you'll have to find a branch if you want money or wait until we send the send the next card" never accepted any blame and would not lift a finger to rectify it.
+ Cheap no frills interest rate
- Terrible, terrible customer service, banks are known for average service, yet the NAB are in a class of their own when it comes to bad service!! NAB successfully identified me over the phone, then refused point blank to tell me my current owing balance. Telling me to go to a local branch or wait for my next statement.Leaving me too anxious to spend on it for fear of going over limit. Who has time to goes to a branch in 2009??? Talk about backwards banking.
+ lower rate interest for purchases. interest free days
- high interest rate on cash advances. although it has a lower rate on purchases i can still get cheaper interest by doing a balance transfer onto other cards
+ Lower interest rate. No annual fees for me. No frills.