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On-line shopping with protection from NatWest
Here's some tips on how to use your card safely
On the High Street
 You should check the slip carefully before signing
 Retain your copy as a permanent record of the transaction
 Always ensure your credit card is returned to you
 Carefully check transactions against your statement
 In restaurants ensure you complete the total box if appropriate
Ordering by telephone
Using your NatWest credit card to order by phone is especially convenient - for example, when reserving cinema or theatre tickets. You will be asked to quote your credit card number, expiry date and your name and address. If goods are sent to you, the sales slip will normally be enclosed with them. You will be asked to produce your card when collecting tickets or the goods you have ordered, so don't forget to take it with you.
 Only give your credit card number if you wish to make a purchase. Never give it just for identification or verification purposes.
 Confirm total amount to be charged - is a booking fee applicable?
 Check how long it will take to deliver any goods
Shopping On-Line
As we're sure you're aware, High Street shopping has recently acquired a competitor, Internet shopping. And it's getting bigger - which is no surprise because it can be so easy, so quick and such fun. However, along with shopping on-line you may feel a little apprehensive about typing in all your credit card details. Or you may have heard some scare stories about the amount of fraud possible on the Net. But that's where NatWest steps in. We want you to know however much you shop around, you'll be protected from loss arising through fraud when you shop on-line with your NatWest Credit Card. You may never have difficulties shopping on-line with your NatWest credit card, but if you do, we are commited to refunding loss due to on-line fraud. Remember that shopping on-line with your NatWest Credit Card is as safe as High Street shopping. And that's a promise.

Here are some tips we hope you will find useful:
 Use reputable sites - try to shop with companies you know or have heard of;
 Ensure the company keeps your credit card and personal details secure. Secure sites will display a padlock at the bottom of your browser when in the payment screen and sites with https:// in the address tend to be more secure than http://
 Keep Internet passwords secret;
 Always print off a copy of the screen, showing your confirmation and keep any e-mails until you receive the goods in case you have any more queries;
 Beware of using unknown companies based overseas - you may not be protected by UK law;
 Check the company's returns policy - high street shops may not accept returns for goods purchased over the Internet and you may be liable to pay postage costs;
 Check delivery timescales;
 Carefully check goods on receipt;
 UK data protection laws require companies who are UK registered to give you the option to not receive future marketing information. If you do not wish to receive further details you may be required to tick a box;
 If ordering gifts, check to see if you can deliver to another address and can the invoice only be sent to you and not the gift recipient; and
 Finally use your common sense. If it looks too good to be true - it usually is!
If you think you may have a transaction on your statement that you did not make contact us immediately.

For more details of shopping on-line including what to do if things do go wrong visit The Office of Fair Trading website

0870 333 9091

Service available Monday to Friday 8am-6pm and Saturday 9am-1pm. Please quote your card numbers when you contact us.

Call us for help, advice or information about any aspect of your NatWest credit card. Alternatively write to NatWest Bank, Southend Card Centre, Southend-on-Sea X, SS99 1YY or visit your nearest NatWest branch. Calls may be monitored for security and quality monitoring purposes.

You could be liable for all losses to the Bank arising from the use of any Card or Card details by any person obtaining possession of it with your consent or where you have been grossly negligent. You will not be liable for losses to the Bank which take place after you have told the Bank of the misuse.
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