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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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 Posted: Thu Dec 01, 2005 10:38 pm Post subject: Capital One 0% credit card for 13 months !!! |
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a new offer from capital one offering 0% for 13 months !
Details below -
Summary Box 0% for any balances transferred
until 1st January 2007
0% for 3 months on purchases
Easy balance transfers - 2% handling fee on the amount transferred
Key features of your Capital One credit card
SUMMARY BOX
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR Typical 14.9 % APR variable
Introductory rate Monthly rate Annual rate
Purchases 0.00 % for 3 months 1.17 % 14.93 %*
Balance Transfers 0.00 % until your January 2007 statement 1.17 % 14.93 %*
Cash withdrawals N/A 1.52 % 19.89 %*
Interest free period Maximum of 54 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash.
Interest charging information The periods over which interest is charged are as follows:
Purchases - If the balance is not repaid in full, interest on the outstanding balance is charged from the date of the transaction until that transaction has been repaid
Balance transfers - Interest is charged from the date of the transaction until that transaction has been repaid.
Cash withdrawals - Interest is charged from the date of the transaction until that transaction has been repaid.
Allocation of payments If you do not pay off your balance in full when you make a payment it will be used to pay off in the following order: any cash handling fees; any interest; other fees; Payment Protection Insurance; most balance transfers except those described next; then balance transfers made after any initial period, if at the time, your initial period was described as "for the life of balances transferred", and all purchases; then cash withdrawals.
Minimum repayment 3% of the outstanding balance or £5, whichever is greater.
Amount of credit Minimum credit limit of £1000; maximum credit limit £25000
Fees Balance transfer handling fee - 2%; No Annual Fee
Charges Foreign currency conversion charge 2.75%
Cash withdrawal charge 1.5% (minimum £ 2.00)
Duplicate statement up to £5
Default charges Late or failure to pay charge £20
Returned payment charge £20
Overlimit charge £20
Returned credit card cheque charge £ 15.00
Security deposits N/A
https://www.capitalone.co.uk/web/raid/templates/formdual_temp_10_001.jsp?page_id=10400&context_id=2&step=1&product_id=8757005 |
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Frugal
Junior Saver
Joined: 06 Feb 2005
Posts: 55
Cash Points ££ 84.96
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| Posted: Mon Dec 05, 2005 5:25 am Post subject: |
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iceman
Junior Saver
Joined: 30 Jul 2004
Posts: 60
Cash Points ££ 275.20
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| Posted: Sun Dec 11, 2005 8:17 pm Post subject: |
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| Its a pity its only 3 months interest free for purchases |
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Dshepard
Beginning Saver
Joined: 28 Feb 2005
Posts: 29
Cash Points ££ 381.46
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| Posted: Fri Mar 17, 2006 3:27 am Post subject: |
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Thanks 13months is just what i could do with right now  |
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Deborah
Veteran Investor
Joined: 12 Jul 2004
Posts: 418
Cash Points ££ 1730.36
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| Posted: Tue Jun 27, 2006 6:26 am Post subject: |
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Capital One are now offering 18 months interest-free on balance transfers with two conditions -
1. a 2% handling fee
2. You have to spend £100 on the card within the first three months of opening the account.
Obviosuly, they expect you not to stop at £100, and keep spending, but everything else looks good ! |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Sun Oct 15, 2006 3:34 am Post subject: |
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2% handling fee is worth it for stoozers for 18 months !
Say you get 5% thats 7.5% return for 2% fee. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Thu Dec 21, 2006 9:15 pm Post subject: |
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| Capital One are offering 0% on balance transfers until April 08 |
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