CreditCards Blog

There was a !!!!!!!! standing in front of me in the queue at LK Bennett today. When it was his turn to pay for his purchases he began to act really quite strangely. Instead of just putting his card into the chip and pin machine, he started waving the card around and then gave me a sort of sidelong look. Then his female partner looked at the card and looked at me, as if to make sure that I'd seen the card. Then he finally put the card into the chip and pin machine. when he pulled the card out, he waved it around quite a bit again. I noticed (how could I fail to notice?) that it is a Natwest Black Card. Is this meant to indicate some kind of prestige or something? The knob-end with the card certainly seemed remarkably chuffed with himself.

Earn in excess of 70k and other extras:

http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/2766925/Do-black-cards-deliver.html

....what a !!!! though for doing that....some people!!

Earn in excess of 70k and other extras:

http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/2766925/Do-black-cards-deliver.html

....what a !!!! though for doing that....some people!!

His conduct just made him look like a knob. Presumably he was trying to impress?

Paying 250 a year doesn't impress me. Says "charge me more, I'm too dim to keep my money"

Fools and their money eh!

What a snob, I bet he doesn't even qualify for an AMEX Centurion (1500 annual fee).

http://www.natwestblack.com

Typical 51.8% APR (variable)

IMPORTANT INFORMATION - CALCULATION OF APR IN THE SUMMARY BOX

We draw to your attention that the typical APR shown in the Summary Box has been calculated under the Consumer Credit Act regulations which require us to use a 1,500 notional credit limit. The 1,500 limit coupled with the 250 fixed annual card fee distorts the advertised APR.
This is illustrated by comparison with the 16.8% APR variable calculated using the minimum credit limit of 15,000 on NatWest Black Card, as reflected in your card agreement.
Please note that the annual interest rate of 12.420% p.a. on your NatWest Black Card remains unchanged. We are not increasing the cost of using your Black Card but are simply complying with regulations.
If you have any questions on the disparity between the advertised APR and the APR in your card agreement please contact Black Card on 0800 923 5904 or Minicom 0800 028 5304.

http://www.natwestblack.com

Typical 51.8% APR (variable)

That rate is artificially high because it takes account of the annual fee for holding that particular card.

MSAD, the customer in front of you was what we in the industry call an "absolute c*ckend". Lots of wealthy people don't feel the need to flaunt their money around as if the cashier at Tesco will suddenly drop to their knees and worship them because of it, however, the tosser you encounter probably thinks that every pound in his bank account is another inch on his penis. Sadly, he is most mistaken, which is part of why his wife sleeps around. (I don't actually know that, but someone insecure enough to show everyone they have a posh credit card has probably been cuckolded at some point, and it may as well be now.) Other symptoms of being an "absolute c*ckend" include being outraged if their card is declined, an attitude that everyone is out to get at them and their precious precious cash, that anyone who does anything for them is in some way beneath them and erectile dysfunction.

There are three actions you can take for this kind of raging f*ckend - you can either point out an obvious or embarrassing flaw with them (i.e "nice card, but your flies are undone"), punch them repeatedly in the face for being a preening sack, or comment that if he were truly posh he would be with Coutts. (If he at that point gets out a Coutts card, you should go with the second option, as there's really no hope.)

Considering that these are the same sort of pricks who shout at service staff at the slightest inconvenience, or treat them like slaves, I have a vested interest in taking up themselves !!!!!!!s down a notch. Good luck.

Well I have the natwest black and private credit cards, for me I have them because of the benefits, in the case of the black the insurances are great and so is the concierge service (even better than amex centurion, which I have cancelled) TBH the amex black used to turn heads but then it got common and the service went down the pan. I like service not prestige and i don't mind paying for service!

please contact Black Card on 0800 923 5904 or Minicom 0800 028 5304.
Excuse me why do people who can afford 250pa for a CC get a freephone number and us plebs have to 0845-it?!

(Yes I know about saynoto0870 but it's the principal!!! :p

Other symptoms of being an "absolute c*ckend" include being outraged if their card is declined, an attitude that everyone is out to get at them and their precious precious cash.
Oh it's good to know I am normal... my card was declined the other day and I just got out a debit card rather than make a fuss... turns out my card had been cloned and subsequently cancelled by my vigilant card issuer!!

I'll happily pay 250 for the extars you get with the NW black card.. although certainly would not flash it .. in fact doubt I would use it as prefer the reward/ cb on other cards

I'll happily pay 250 for the extars you get with the NW black card.. although certainly would not flash it .. in fact doubt I would use it as prefer the reward/ cb on other cardsWell with all the other Natwest/RBS cards you can personalise them with a photo, perhaps you could ask the Black people if you could do it on that too?

did the amex centurion card replace their platinum card? or is it an even more 'exclusive' club?

did the amex centurion card replace their platinum card? or is it an even more 'exclusive' club?Noooooooo it's even more 'exclusive' (Read: 'expensive')

Reminds me of an old Harry Enfield character, no not "loadsamoney", but you remember the British businessman abroad on holiday whose favourite line was :

"Excuse Moy, can't help but notice that we appear to be considerably richer than yow !!!"

Funny thing is I have known several people just like that ;)

Given his behaviour I think it a fair assumption that he has small genitalia.

Given his behaviour I think it a fair assumption that he has small genitalia.

Already called it mate. :D

a relative once worked in a shop, and a well known local celeb came in for some items, and offered a platinum Amex to pay- she had never seen one, and thought it was a fake- the guy was very nice about it (not too many of them around, then), though the authorisation staff got very uppy, saying he could buy the whole shop if he wanted, blah blah..

at the end of the day, a card is a card is a card. having worked the tills in my yoof (ah, the memories..), i didnt care what colour/bank it was so long as it went through ok,and didnt hold everyone up if a security check was needed.

I got handed an AMEX black card when I worked at a garden center.