New credit card - same bank as current account

[Curious81]

Hi. AIB recently talked me into applying for a credit card with them. I already hold my current account with them. This was all discussed over the phone and I was going close my MBNA cc (no significant balance transfer as I rarely use my cc). They posted me out a form but are now saying I have to go into a branch with ID and proof of address. I was surprised at this since I hold current account already with them. Is this normal?

 

[cremeegg]

Hi. AIB recently talked me into applying for a credit card with them. I already hold my current account with them. This was all discussed over the phone and I was going close my MBNA cc (no significant balance transfer as I rarely use my cc). They posted me out a form but are now saying I have to go into a branch with ID and proof of address. I was surprised at this since I hold current account already with them. Is this normal?

Yes it is normal they are not singling you out for special treatment.

I suggest that you call them back and tell them that you expect that they will cover the cost of your travel and time for this. I reckon my time is worth €50 per hour.

Otherwise you would need to see some advantage in the AIB card to make it worth your while to switch.

 

[Curious81]

Thanks cremegg. My only real reason for wanting to switch was the convenience of being able to keep an eye on my cc in the same on-line profile as my current account. So I think I'll leave good enough alone and not bother changing it to AIB.