UK Credit Cards

Bank of Scotland All In One Credit Card

noreply@blogger.com (Farrukh) — Sun, 28 Jun 2009 08:59:00 +0000

The only credit card you'll ever need

You could start saving today with a Bank of Scotland All In One Credit Card

0% for the first 9 months on balance transfers made in the first 90 days (3% fee).
0% for the first 9 months on purchases with your Bank of Scotland All In One Credit Card - helping you spread the cost of your purchases.

Simply apply today and transfer your outstanding balances from other credit or store cards in the first 90 days and you'll pay 0% interest for the first 9 months (plus a 3% fee).

And you'll get a great rate of 15.9% APR typical variable.

To benefit from the 0% rate, you must stay within your credit limit and make your monthly payments on time. Balances transferred from other Bank of Scotland or Halifax cards are not eligible for the 0% balance transfer offer.

View our Bank of Scotland Credit Card summary box (new window).

Sainsbury’s Credit Card

noreply@blogger.com (Farrukh) — Sun, 28 Jun 2009 08:18:00 +0000

Sainsbury's Credit Card

Sainsbury's Credit Card offers you all this:

0% for the first 12 months on Sainsbury's shopping*
0% for the first 3 months on all other shopping
0% for the first 10 months on balance transfers (+3% fee)

16.9% APR typical variable.

Collect Nectar points for every pound you spend

Pay with your credit card and collect 2 points per £1 you spend on Sainsbury's shopping, this is in addition to points earned with your Nectar collector card..

Go to the Nectar web site to discover how you could treat yourself.

See our summary box which shows you the facts and figures

Existing Sainsbury's Credit Card holders

If you already have a Sainsbury's Bank Credit Card, unfortunately you cannot apply for this card at present.. If you require any further information please contact us on 0800 4346 346 explaining that you are an existing Sainsbury's Credit Card customer.

Ready to apply?

It's really straight forward and only takes a few minutes

Personal pricing

As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

Find out more about personal pricing

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank plc.

Sainsburys Bank plc, Registered Office, 33 Holborn, London, EC1N 2HT (registered in England , no 3279730) is authorised and regulated by the Financial Services Authority (FSA).

Compare Deals on Credit Cards

noreply@blogger.com (Farrukh) — Sun, 28 Jun 2009 08:17:00 +0000

The UK’s Top Credit Card offers

Virgin

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:46:00 +0000

TotallyMoney rating: 5 stars

The Virgin card is currently the market leading credit card, with the longest 0% offer for balance transfers and a competitive interest free period for new purchases

0% on Balance Transfers for 16 months
0% on Purchases for 3 months
16.6% APR Typical (Variable)

Apply

Compare with other top cards

How Virgin compares to the current leading products

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:45:00 +0000

Virgin Credit Card

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:45:00 +0000

Thanks for choosing the Virgin Credit Card

Ready to apply?

It takes just minutes to apply online. (Don't forget you need to be aged 18 or over, and a UK resident with a bank or building society account.)

Click here to launch the summary box and tick the box to confirm you've read it.

Articles & Guides - Credit card dirty tricks

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:35:00 +0000

Credit card companies don’t exist to be generous, their single goal is to make money. Not satisfied with the revenue generated from their highly inflated interest rates (average is 17.2%, base rate is 0.5%), credit card companies have resorted to some unorthodox methods to generate even more cash from you. Here are some of the sneaky tricks they use.

Articles & Guides - Cash

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:34:00 +0000

Never withdraw cash from your credit card if you can possibly avoid it. Ever. Interest on cash withdrawals is charged at a far higher rate than normal transactions – up to 25% in some instances. Adding insult to injury, you’ll also be charged a fee for using the cash machine when you withdrew the money. Even if you pay your off your balance in full every month you will be out of pocket, because interest is charged on cash withdrawals from the day you take it out.

Articles & Guides - Order of payments

Got a nice deal on your balance transfer? Either 0% for a limited period or a lifetime deal for a few percent? Then ensure you never use that card again. Because if you do, you will be charged the card's highest interest rate on the new spending until the very last of your balance transfer is paid off. This is because almost all card providers use your repayments to pay off your cheapest debts – such as balance transfers – first, which means your additional spending collects interest for as long as possible.

Articles & Guides - Use abroad

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:34:00 +0000

Your credit card is your flexible friend on holiday, the adverts say, accepted in thousands of shops around the globe. What they don't tell you is that you are charged a fee – generally around 2.75% of the purchase price - every time you use your card abroad. Think 2.75% isn’t much to pay for convenience? Banks made £650 million last year from unsuspecting Brits using their cards abroad.

Articles & Guides - Credit card Cheques

Have you ever asked to be sent a credit card cheque? Credit card companies routinely send them to customers to encourage further spending. That seems very generous, but what’s not immediately apparent is that credit card cheques attract a higher rate of interest and – as with cash withdrawals – this interest is charged from the day the cheque is cashed.

Articles & Guides - Use abroad

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:27:00 +0000

Articles & Guides - Credit card Cheques

Articles & Guides - Payment protection insurance

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:25:00 +0000

Worried about losing your job or becoming ill and unable to pay your debts? Well then your card company will happily offer you a payment insurance service. The trouble is, these are often expensive, difficult to make a claim against and offer poor coverage - generally only meeting the minimum payment of your card. If you are genuinely concerned about making your repayments if you fall ill or lose your job, then take out a stand-alone policy that covers everything – rather than one just tied to your card.

Articles & Guides - Identity fraud protection

Identity fraud is one of the 21st century's fastest-growing crimes. Credit card providers are cashing in by offering additional ‘ID fraud protection services’ – for a fee. What you may not know is that it’s them who are actually liable for any fraudulent transactions on your card. ID fraud costs banks far more than it costs you, and they are working very hard to stop it regardless of whether you pay extra. Generally, checking your card statement and credit report regularly and knowing the number to call to cancel your card is more than enough protection – and costs almost nothing.

Articles & Guides - Low minimum payments

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:23:00 +0000

Some card companies are offering to lower the minimum repayments to help customers pay their bills. In reality, only credit card companies benefit from lower minimum payments. Reducing minimum repayments from 2% to 1% could add four years to the time it takes to pay off a £2,000 balance and mean you pay back an additional £1,974.57.

Articles & Guides - Store cards

"Sign up now and get discount," sales staff tell you. Well, you do get a discount, but the only reason they offer one is because they plan to make far more money out of you in the long run. Store card interest rates are far higher than those on standard credit cards, with one "deal" even charging more than 200% interest. If you still want the discount, make sure you pay the bill in full then cancel your card.

Articles & Guides - Shrinking interest-free periods

noreply@blogger.com (Farrukh) — Wed, 24 Jun 2009 14:20:00 +0000

The length of time between when you make a purchase and when interest is charged on it changes from card to card. And that's a problem. A study by Which? revealed that on two cards, both charging 15.9%, it would cost £83 in interest to pay off a £500 debt on one and just £58 to pay off the same debt in the same way on the other. That's £25 difference in interest, on two cards claiming to charge the same rate, all because of how long – or short – the interest-free period is.

Premium-rate phone lines

You've lost your card or, worse, had it stolen. So you need to call your card company to cancel it. However, while you might think this would cost you nothing, it doesn't. More than that, a string of card firms use 0845 numbers – which not only cost you more, but also make money for the card firm as well as the telephone company.

CapitalOne Busniess Platinum Credit Card

noreply@blogger.com (Farrukh) — Mon, 22 Jun 2009 10:10:00 +0000

CapitalOne Classic Credit Card

noreply@blogger.com (Farrukh) — Mon, 22 Jun 2009 09:59:00 +0000

Protecting your identity
Free Identity Theft Service reducing fraud risk
Register online for free Identity Alerts
24 hour confidential helpline

Find out more »

Free Identity Theft Service

If you do become a victim of identity theft, we will help restore your identity with minimum fuss.

Your own named advisor will help you with your case from start to finish.

Free Identity Alerts

A new free service to help protect you against identity theft.

Receive two free Equifax Credit Reports™ per year and be alerted within 7 days of any key changes to your credit file.

Benefits at a glance

Add up to 3 additional cardholders to your account
Choice of credit card designs
Free Purchase Protection Insurance

Find out more »

Capital One Low Balance Transfer and 0% Purchases

noreply@blogger.com (Farrukh) — Mon, 22 Jun 2009 09:52:00 +0000

Protecting your identity

Free Identity Theft Service reducing fraud risk
Register online for free Identity Alerts
24 hour confidential helpline

Find out more »

Free Identity Theft Service

If you do become a victim of identity theft, we will help restore your identity with minimum fuss.

Your own named advisor will help you with your case from start to finish.

Free Identity Alerts

A new free service to help protect you against identity theft.

Receive two free Equifax Credit Reports™ per year and be alerted within 7 days of any key changes to your credit file.

Benefits at a glance

Add up to 3 additional cardholders to your account
Choice of credit card designs
Free Purchase Protection Insurance

Find out more »

The Co-operative Bank Platinum Fixed Rate Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:43:00 +0000

Platinum Fixed Rate credit card - rate fixed for 5 years

With our Platinum Fixed Rate credit card comes the reassurance that the low 9.9% APR typical/variable rate will remain fixed for 5 years and applies to all your purchases and balance transfers*. (After 5 years the rate becomes variable). For such a great fixed rate credit card you might think there’s an annual fee to pay – there isn’t.

Look what you get with this credit card:

9.9% APR typical/variable
Low rate fixed for 5 years
No annual fee
Up to 46 days interest free credit if balance paid in full by due date
Manage your credit card account online with our secure online banking
24/7 UK call centre
Free 90 day Purchase Protection Insurance†
Emergency cash and card replacement service
24 hour medical and legal assistance overseas
Up to £100,000 free Travel Accident Insurance† when you use your card to pay for tickets
Exclusive Platinum Travelclub benefits.†
This credit card is provided by The Co-operative Bank, which is still the only UK high street bank to have a customer-led Ethical Policy

The Co-operative Bank Clear Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:41:00 +0000

Rendered with sIFR 3
With our Clear credit card everything is simple

Looking for a straightforward, no-nonsense credit card? You’ve found it. Our Clear credit card is perfect if you want to avoid any chance of confusion, because it comes with just the one standard rate that applies for all your card transactions – cash withdrawals, purchases and balance transfers*. What could be clearer?

Look what you get with this credit card:

12.9% APR typical/variable
One rate for all your transactions
Up to 59 days interest free credit if balance paid in full by due date.
No charge for UK cash withdrawals or cheques
Manage your credit card account online with our secure online banking
24/7 UK call centre
Choice between black or white card designs
Up to £25,000 free Travel Accident Insurance† when you use your card to pay for tickets.
24-hour medical and legal assistance overseas
No annual fee.
This credit card is provided by The Co-operative Bank, which is still the only UK high street Bank to have a customer-led Ethical Policy.

The Co-operative members credit card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:20:00 +0000

Members' credit card

Discounts off thousands of full brochure-priced holidays from
The Co-operative Travel
Cashback on all your credit card

Earn points whenever you spend

With The Co-operative members' credit card you can take advantage of our special 0% introductory rate, fixed for the first 6 months from the date your account is opened on purchases and balance transfers alike*. After that the rate is 15.9% APR typical/variable. On top of that, you’ll earn yourself cashback while you spend and twice a year you’ll receive a share of our Group profits.

Look what you get with this credit card:

1p cashback for every £1 you spend in The Co-operative Food stores
1p cashback for every £2 you spend anywhere else**
Up to 59 days interest free credit if balance paid in full by due date
Manage your credit card account online with our secure online banking
24/7 UK call centre
Balance transfer fee of 3% of transfer value, applicable during promotional rate period only (minimum fee £5)
No annual fee
This credit card is provided by The Co-operative Bank, which is still the only UK high street Bank to have a customer-led Ethical Policy
We’ll donate 1.25p to deserving causes for every £100 you spend – at no extra cost to you.

Nationalwide Gold Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:08:00 +0000

commission free purchases abroad**
up to 56 days interest-free credit
free purchase cover for loss, theft or damage to most purchases over £50
free 12 month extended warranty on many gas or electrical products
peace of mind for all cardholders with Nationwide Fraud Watch
typical 16.9% APR variable

*On transfers made in the first three months from account opening, 3% balance transfer fee applies (£5.00 minimum).
**We pass on a Visa charge for foreign transactions.

A Gold card is most likely to be suitable if you are aged 25 or over, have an annual income of £25,000 or more, and have an excellent credit history.

If our Gold card isn't right for you, then we may offer you our Classic card.

Natwest Advantage Gold Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:06:00 +0000

Advantage Gold Credit Card

All the benefits of an Advantage Gold Account for less
Advantage Gold Credit Card

All the benefits of an Advantage Gold Account for less

If you are over 18, earning over £10,000 then linking your credit card to an Advantage Gold Current Account could be for you.

The Advantage Gold Credit Card is currently only available for application in branch or by phone.

How it works

Take out an Advantage Gold Credit Card together with an Advantage Gold Account and you could get all the benefits of your Advantage Gold Account for up to £80 less after a year.

The Advantage Gold Credit Card is linked to an Advantage Gold Account; please speak to a Customer Adviser in branch if you need assistance to open one.

The more you spend on your purchases with your Advantage Gold Credit Card, the more Money Back you could receive. How much you get back after 12 months depends on the average monthly spend on purchases made with your card (see table below) but it could be as much as £80. This offer applies in the first year only.

Please refer to the Advantage Gold Credit Card Terms and Conditions important information about this offer.

Natwest Savings Accelerator Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:04:00 +0000

Savings Accelerator Credit Card
Boost your savings rate by up to 2%

Boost your savings rate by up to 2%

Over 18? Earn over £10,000? Want to boost your savings by up to 2% Gross? Then our Savings Accelerator Credit Card could be for you. Typical 16.9% APR (variable)

Savings Accelerator is only available for application in branch or by phone.

What is Savings Accelerator?

Your Savings Accelerator Credit Card is linked to a NatWest First Reserve Savings Account and the more purchases you make on your Savings Accelerator Credit Card, the more you may be able to boost the interest rate you earn on your savings. You will need to open a First Reserve savings account at the same time as you apply for the Savings Accelerator Credit Card.

How can I boost the interest rate I earn on my savings?

Quite simply, all you have to do is use your Savings Accelerator Credit Card to make purchases.

The balance in your Savings Accelerator savings account will earn an interest rate of 0.2% Gross/AER (variable) but you could earn additional bonus interest of up to 2% Gross depending on your Equivalent Monthly Spend. This bonus will be automatically applied in addition to the standard interest rate and such interest will be paid quarterly.

Natwest Black Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:03:00 +0000

Black Credit Card

How will it transform your life?

Black Credit Card

How will it transform your life?

The most complex plans realised with a simple call. Hectic travel schedules made more human, with executive lounge access and detailed itineraries. And that is only the beginning.

As you might expect, a card with this many benefits is not for everyone. The NatWest Black Card is only available to people over 25 years of age and typically have an income of £75,000 or more. However, we may accept your application if your income is less than this, provided we are satisfied you can repay the minimum £15,000 credit limit, subject to our standard credit assessment.

The benefits of a NatWest Black Card

This is far more than simply a convenient way to pay - even with the minimum £15,000 credit limit.

Personal assistant - put your plans into action 24 hours a day, with our concierge service
Airport lounge access - a Priority Pass™ card will transform your journeys
Travel insurance - annual, worldwide cover with a five star rating from Defaqto, an independent financial research company

Rates and charges of a NatWest Black Card

Typical 51.8% APR (variable). We draw to your attention that the typical APR 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 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% on your NatWest Black Card remains unchanged. We are not increasing the cost of using your Black Card but are simply complying with regulations.

Natwest Student Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 16:01:00 +0000

Student Credit Card

Great savings and a real-world credit limit

Student Credit Card

Great savings and a real-world credit limit

Want bargains? Get savings you can really use. Want to keep a lid on your finances? A maximum credit limit of £500 could help.

We’ve designed a credit card especially for the way you live your life.

Student Credit Card – main benefits

Discounts – save on brands like HP, Lonely Planet and Firebox.com

Control your spending – with a £500 maximum credit limit

Direct Debit – never miss a credit card payment, and avoid late fees

No annual fee – and a Typical 18.9% APR (variable)

You’ll also enjoy up to 56 days’ interest free credit on purchases (please see rates and charges for details), plus comprehensive protection against online threats, fraud and identity theft.

Natwest Gold Credit Card

noreply@blogger.com (Farrukh) — Thu, 28 May 2009 15:57:00 +0000

Gold Credit Card
Shrink your balance

Gold Credit Card

Shrink your balance

Want to pay off your balance faster? Our Gold Credit Card is designed to help shrink your balance.

This offer is available exclusively online.

We could help you to cut your credit card balances down to size.

Gold Credit Card – main benefits

Balance transfer – switch your balances within three months of opening your account, and pay 8.9% p.a. for the life of the balance transfer

Shrink your balance – we’ll pay 2%. of your remaining transferred balance into your account, every six months

Everyday spending – pay 8.9% p.a. on purchases for nine months from account opening

No balance transfer fee – and no annual fee, with a Typical 16.9% APR (variable)

…and much more

You’ll also enjoy up to 56 days’ interest free credit on purchases (please see rates and charges for details), plus comprehensive protection against online threats, fraud and identity theft.

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

UK Credit Cards

Bank of Scotland All In One Credit Card

The only credit card you'll ever need

Sainsbury’s Credit Card

Sainsbury's Credit Card

Compare Deals on Credit Cards

Virgin

How Virgin compares to the current leading products

Virgin Credit Card

Thanks for choosing the Virgin Credit Card

Articles & Guides - Credit card dirty tricks

Articles & Guides - Cash

Articles & Guides - Use abroad

Articles & Guides - Use abroad

Articles & Guides - Payment protection insurance

Articles & Guides - Low minimum payments

Articles & Guides - Shrinking interest-free periods

CapitalOne Busniess Platinum Credit Card

CapitalOne Classic Credit Card

Protecting your identity Free Identity Theft Service reducing fraud risk Register online for free Identity Alerts 24 hour confidential helpline

Benefits at a glance

Capital One Low Balance Transfer and 0% Purchases

Protecting your identity Free Identity Theft Service reducing fraud risk Register online for free Identity Alerts 24 hour confidential helpline

Benefits at a glance

The Co-operative Bank Platinum Fixed Rate Credit Card

Platinum Fixed Rate credit card - rate fixed for 5 years

Look what you get with this credit card:

The Co-operative Bank Clear Credit Card

Rendered with sIFR 3With our Clear credit card everything is simple

Look what you get with this credit card:

The Co-operative members credit card

Earn points whenever you spend

Look what you get with this credit card:

Nationalwide Gold Credit Card

Natwest Advantage Gold Credit Card

Advantage Gold Credit Card

All the benefits of an Advantage Gold Account for less

How it works

Natwest Savings Accelerator Credit Card

Savings Accelerator Credit CardBoost your savings rate by up to 2%

Boost your savings rate by up to 2%

What is Savings Accelerator?

How can I boost the interest rate I earn on my savings?

Natwest Black Credit Card

Black Credit Card

How will it transform your life?

How will it transform your life?

The benefits of a NatWest Black Card

Rates and charges of a NatWest Black Card

Natwest Student Credit Card

Student Credit Card

Great savings and a real-world credit limit

Great savings and a real-world credit limit

Natwest Gold Credit Card

Gold Credit CardShrink your balance

Shrink your balance

Protecting your identity
Free Identity Theft Service reducing fraud risk
Register online for free Identity Alerts
24 hour confidential helpline

Protecting your identity

Free Identity Theft Service reducing fraud risk
Register online for free Identity Alerts
24 hour confidential helpline

Rendered with sIFR 3
With our Clear credit card everything is simple

Savings Accelerator Credit Card
Boost your savings rate by up to 2%

Gold Credit Card
Shrink your balance