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Wade
Saving Enthusiast
Joined: 17 Feb 2005
Posts: 185
Cash Points ££ 2569.94
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 Posted: Mon Mar 20, 2006 6:58 am Post subject: cahoot credit low rate credit card |
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heres some info on the cahoot credit card as per their summary box.
http://www.cahoot.com/creditcard/
APRs and OTHER RATES*
TYPICAL 11.8% APR variable
STANDARD INTEREST RATE
Band 1 Band 2 Band 3 Band 4 Band 5
Purchases 9.8% 10.8% 11.8% 13.8% 14.8%
Cash advances † 9.8% 10.8% 11.8% 13.8% 14.8%
Balance transfers 9.8% 10.8% 11.8% 13.8% 14.8%
MONTHLY RATES*
STANDARD INTEREST RATE
Band 1 Band 2 Band 3 Band 4 Band 5
Purchases 0.7850% 0.8617% 0.9367% 1.0858% 1.1600%
Cash advances 0.7850% 0.8617% 0.9367% 1.0858% 1.1600%
Balance transfers 0.7850% 0.8617% 0.9367% 1.0858% 1.1600%
†Cash Advances are also subject to a handling change of 1.5% of the withdrawn amount, or a minimum of £1.50.
Interest free period Maximum 46 days for purchases, balance transfers and cash advances if you pay your balance in full and on time.
Interest Charging Information The period 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 the purchase is charged to your account until payment is received. Cash advances – If the balance is not repaid in full, interest is charged from the date the transaction is charged to your account until payment is received. Balance transfers – If the balance is not repaid in full, interest is charged from the date the transaction is charged to your account until payment is received.
Allocation of payments The cahoot purchase rate, balance transfer rate and cash advance rate are all the same rate.
Minimum repayment 2% of your balance or £5, whichever is higher. This is to be repaid via direct debit.
Fees No annual fees.
CHARGES
Cash advance charge (per transaction) Cash advances are subject to a handling charge of 1.5% of the withdrawn amount, or a minimum of £1.50
Overseas commission charge If you use your card abroad, each transaction will be subject to an Overseas Commission Charge of 2.25% of the cash advance or purchase amount.If you withdraw cash abroad this is in addition to the cash advance fee.
Duplicate Statements If you require a duplicate statement, these are charged at £5 per statement period.
Duplicate Voucher If you require a copy of a credit card voucher, these are charged at £2 per voucher.
Data Protection Subject Access Request If you require a Data Protection Subject Access Request, these are charged at £10 per request.
DEFAULT CHARGES
Late Payment fee
(per late payment) £25
Returned Payments fee (per returned payment) £25
Over limit fee**
(per occasion) £25 |
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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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| Posted: Sat Apr 01, 2006 2:26 am Post subject: |
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Does not seem to be a balance transfer card though  |
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