Useful finance Links
• British Bankers' Association
• Financial Ombudsman
• Office of Fair Trading
• Financial Services Authority
• Ass. of British Insurers
• Council of Mortgage Lenders
Useful finance Links
• British Bankers' Association
• Financial Ombudsman
• Office of Fair Trading
• Financial Services Authority
• Ass. of British Insurers
• Council of Mortgage Lenders
American Express Nectar card
• www.americanexpress.com
5,000 Nectar bonus points when you first spend £200
Double Nectar points for the first 3 months
1 point for almost every £1 you spend
Typical 15.9%APR Variable.
American Express Red Credit Card
• www.americanexpress.com
This card is designed to help eliminate AIDS in Africa.
Features:
No annual fee for life
American Express donates a minimum of 1% of all your spend to the Global Fund, to help fight the AIDS emergency in Africa. If you spend more than £5,000 in a year, the REDmoney rate increases to 1.25% on all spend above the threshold.
Typical 16.9% APR Standard Purchase interest rate
Barnardo's
• www.barnardos.org.uk
The UK's leading children's charity.
Barnardo's also a credit card which means you can help without actually sending them any money! There is a 0% p.a . on all purchases and balance transfers• fixed for the first six months, reverts to a variable rate of 17.9% p.a., 15.7% APR (excluding other Co-op Bank cards), no annual fee and discounts on thousands of full brochure priced holidays through The Co-operative Bank Travelclub. Terms and conditions apply.
(Click on "Support us" for more details)
Marks & Spencer Online Store
• www.marksandspencer.com
Sign up for the Marks & Spencer credit card, &more, and you get Marks & Spencer reward points whenever you use the card plus 10% off holidays in association with Thomas Cook. 0% interest for 2 years on M&S furniture purchases instore over £1,000. 0% pa on balance transfers for 6 months from date of account opening. Typical 17.9% APR (variable).
WWF Credit Card
• wwwn.applyonlinenow.com
Provided by MBNA, the World Wide Fund credit card offers the following features:
WWF receives a contribution from the card issuer, MBNA Europe Bank Limited, for every account opened, and further contributions for every card purchase you make.
Introductory balance transfer rate of just 0% p.a. - available for twelve months from the date your account is opened. 2% handling fee applies.
0% p.a. on card purchases for three months from the date your account is opened.
Typical rate 15.9% APR (variable)
Provident Financial
• www.providentpersonalcredit.com
This is actually a loan that you can use in the form of a Visa card.
• The Provident Visa Card is a debit card so you can't go over your limit. You can spend as much or as little of your loan as you want, when you want
• Cards are available in values of £300
• It lets you shop safely from the comfort of your home - on the phone or over the Internet
• You can withdraw cash as and when you need it from cash machines and banks
• You'll have your very own PIN (Personal Identification Number) to make sure only you can
use it
• You can check your balance; so that you always stay in control of your finances.
• It works in exactly the same way as a Provident loan where your Agent will collect
your repayments each week at a time convenient for you.
Typical 183.2% APR
Mothercare Mothercard
• www.mothercare.com
Mothercare has its own Mothercard, a mastercard where you can earn reward points - 1 point for every pound that you spend in Mothercare and 1 point for every £2 spent elsewhere.
Typical 19.9% APR Variable.
Other Websites of Interest
CreditExpert
• www.creditexpert.co.uk
Headers: Consumer Credit Monitoring, Identity Fraud Prevention
If you are concerned about your credit history, want to check that your credit information is correct or would like to protect yourself from identity fraud, you can get a free online credit report plus a free trial at CreditExpert. Becoming a full member gives you: access to credit specialists, unlimited access to your credit report and weekly text or email alterts to warn you of potential fraudulent activity.As a member, you can view your National Credit Score. To become a member, or take part in the free trial, you should have a UK address and a valid credit or debit card.
• Special Offers: Free online credit report plus a 30 day free trial
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