I am 30 years of age & have only ever done my banking with Nationwide. I have been a LOYAL customer for 19 years. I earn good money & use my account well but they still will only grant me a cash card. I recently applied again for an upgrade when the girl in my local branch said no & that I should apply to Barcleys for a debit card & once that shows up on my credit file Nationwide may give me more facilities. I didn't go to Barcleys as I found what she said funny.