Abbey UK Credit Card

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Abbey National re-launched its business and brand in 2003 under a new shortened name, Abbey. One of UK’s leaders in personal finance sector, it has near about 18 million customers under its folds.  Abbey credit cards incorporate features to accommodate the needs of all types of credit card clients.

Features:
Abbey offers two credit cards; the Balance Transfer Credit Card and the Flat Rate Credit Card. These cards are designed to meet the individual requirements of customers along with providing all the basic services.

The Balance Transfer Credit Card offers an introductory 0% per annum, for the first 12 months. It charges a 3% handling fee. The APR is 15.90%, typical (variable). Besides for the first three months of purchases the company would charge you zero percent interest.

The other features include:

• An introductory offer of 0% interest on purchases for 3 months
• Card Type- Master Card.
• 56 days of interest free purchasing period, as long as payments are made in full balance within due date.
• Online Access- you can check balance, transfer money, make payment and view pin.
• Credit limit- £50,000.
• Zero annual fee.
• Minimum monthly payment- 2.25% or £5, or the full amount if it is less than £5
• Cash Withdrawals- 24.90% APR (variable).
• Late Payment- £12
• Exceed Personal Limit- £12
• Unpaid Direct Debit- £12
• Payment Protection- 79p per £100 (incase of unemployment due to sickness, accident or some involuntary causes)

Abbey Flat Rate Credit Card charges one interest rate on your purchases no matter where and how you make use of the card. The APR is 10.90%, typical (variable). The same interest is charged on cash machine withdrawals, balance transfers and credit card cheques.

In both the cards interests are charged on a daily basis so that customers have to pay less interest with increase in payments. Customer satisfaction is the guiding mantra for Abbey Credit Cards.