Bank of Scotland One

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The Bank of Scotland One Credit card is issued by the Bank of Scotland, one of world’s financial pillars.

Features:
The Bank of Scotland One credit card offers phenomenal interest rates, both on purchases and balance transfers. It charges a 9.9% APR typical (Variable). This interest rate is variable and is determined by the information provided by the customer. For new cards a 0% interest on purchases for a period of 9 months. For balance transfer a 0% interest is charged along with 3% handling fees, provided the balance is transferred within the first ninety days.

The Bank of Scotland One credit cards come in two different colors; jet black to give a more corporate feel and a funky pink, made for a sunny shopping day. Both bear the sign of the Bank of Scotland.

The Bank of Scotland One Credit Card has excellent card protection services. The card offers cover against identity theft, stolen or lost cards and credit card payment protection schemes. For mere £6.95 per month, the Bank of Scotland will provide protection against identity theft or fraudulent activities. In case of an identity theft, the company provide for the legal assistance required to get customers out of trouble. A meager £18 per year would give precious peace of mind in form of card protection services. The credit card payment cover provides protection against any untoward occurrences. The company would pay off outstanding balance up to £25,000 in case of unemployment due to illness or any other reason. The credit card payment cover costs 78p for every £100 paid. There are other online protection features, along with pin and chip facilities.

The other features include:

• An introductory offer of 0% interest on purchases for 9 months
• Card Type- MasterCard
• 59 days of interest free purchasing period, as long as payments are made in full balance within due date.
• Online Access
• Online security facilities.
• Zero annual fee.
• Balance Transfer Limit- subject to status.
• Excellent online security facilities.

Eligibility Criteria:
The applicant must be 18 or more and an UK resident. There is no fixed minimum monthly household income figure but the applicant will need to have regular income.