RBS Mastercard Sucks. RBS Royal Bank of Scotland (RBS) credit card is by far the worst credit card company I've ever dealt with. I am referring to the RBS MasterCard. They advertised a promotion with 0% balance transfer. When I finally got the card the rate was about 19%. They refused to honor their advertised promotion. I paid off the card and stuck it in a drawer. Today I received a nasty-gram I owe them over $60.00.. I found out they charged me $20 for Late Fee Protection in December and $42 for late fees and finance charges, and reduced my credit limit to $250.00.. On the phone they refused to remove the charges. So I just closed the account. I will file a Better Business Bureau complaint by internet through the Bridgeport CT office, which will be followed by a local small claims court lawsuit, which I will win by default because they won't show. Bottom line RBS MasterCard SUCKS!