Credit cards - summary
This is a summary only. Please refer to the terms and conditions provided for full details.
| FEATURES: | SUMMARY: | ||
|---|---|---|---|
| Typical APR: | Typical rate 15.9% APR (variable)(1.2408% monthly). | ||
| Other rates: | Intro Rate (balance transfers) |
APR (card purchases balance tfrs, credit card cqs) |
PA (cash, incl money trfrs) |
| 0% for 3 months from account opening ( 12 mths for credit card cheques) | 15.9% APR (Variable) (1.2408% mthly) |
24.9% (2.0751% mthly) |
|
| Interest free period: | Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below. | ||
| Interest charging information: | Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay. | ||
| Allocation of payments: | We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first. | ||
| Monthly minimum payment: | If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25. | ||
| Credit limit: | We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000. | ||
| Annual fee: | None | ||
| Other charges: | 3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions. |
||
| Default charges: | £12 for going overlimit, making late payments and for returned payments. | ||
By clicking 'Apply online' you will leave the Cheshire's site and go directly to the MBNA website specifically designed for Cheshire credit card customers.
The Cheshire Building Society Credit Card is issued by MBNA Europe Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ. Registered in England number 2783251.
Credit is available, subject to status, only to UK residents aged 18 or over. MBNA monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.
