Credit Cards - White paper 'could benefit credit card borrowers'

Introductory Offer

Balance Transfer Rate:

0% for 16 mths

Balance Transfer Fee:

2.98%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.6% p.a.

Balance Transfers:

16.6% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are at least 25 Years of Age
• You have a Good Credit History
• You are in full time employment
• You are a permanent resident/citizen of the UK
• You have a Bank or Building society account

Introductory Offer

Balance Transfer Rate:

0% for 15 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

15.9% p.a.

Balance Transfers:

15.9% p.a.

Balance Transfer Fee:

2.90%

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are 21 years or over
• You are a permanent UK resident
• You have no history of bankruptcy, had an IVA's or CCJ's.
• You haven't missed a payment on either a credit card or mortgage in the last 12 months.
• You have a regular income of more than £20,000 per annum
• You have not been declined for credit in the last six months.
• You do not have debts on other credit cards greater than £20,000

Introductory Offer

Balance Transfer Rate:

0% until May 2011

Balance Transfer Fee:

3%

Purchase Rate:

0% until Jun 2010

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

22.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 45 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• Any Income Considered

Introductory Offer

Balance Transfer Rate:

0% for 6 mths

Balance Transfer Fee:

2%

Purchase Rate:

0% for 12 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Balance Transfer Fee:

2%

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 51 days

Online Banking:

Yes

Approval Criteria

• You have an excellent Credit History
• You are at least 18 Years of Age
• You are a permanent resident/citizen of the UK
• You have a bank or building society account
• You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:

0% for 13 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:

0% for 12 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

15.9% p.a.

Balance Transfers:

15.9% p.a.

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You have a bank or building society account
• You have an income over £25,000 p.a

Introductory Offer

Balance Transfer Rate:

0% for 13 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:

0% for 13 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

£25,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 25 Years of Age
• You have an Excellent Credit History
• You are a permanent resident/citizen of the UK
• You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:

0% until Apr 2011

Balance Transfer Fee:

2.50%

Purchase Rate:

N/A

Typical APR

Purchases:

19.9% p.a.

Balance Transfers:

19.9% p.a.

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You haven't missed multiple payments on a credit agreement within the last 12 months
• You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
• You don't already have a Barclaycard
• You are a permanent resident/citizen of the UK
• You have a bank or building society account
• You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:

0% for 15 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£25,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• YOU ARE AN EXISTING NATWEST CUSTOMER
• You are at least 25 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:

0% for 15 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£25,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• YOU ARE A RBS CURRENT A/C HOLDER
• You are at least 25 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:

0% for 15 mths

Balance Transfer Fee:

2.90%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.7% p.a.

Standard Features

Credit Limit:

Subject Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• YOU ARE AN EXISTING HSBC CUSTOMER
• You are at least 18 Years of Age
• You have a Good Credit History
• You have been a permanent resident/citizen of the UK for atleast the last 3 years
• You have a bank or building society account
• You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:

0% for 12 mths

Balance Transfer Fee:

2.98%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

19.16% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You have an income over £8,000 p.a

Introductory Offer

Balance Transfer Rate:

N/A

Balance Transfer Fee:

N/A

Purchase Rate:

N/A

Typical APR

Purchases:

7.80% p.a.

Balance Transfers:

7.80% p.a.

Cash Advance:

15.8% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 21 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You have a bank or building society account
• You have an income over £20,000 p.a

Introductory Offer

Balance Transfer Rate:

0% for 9 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 9 mths

Typical APR

Purchases:

11.9% p.a.

Balance Transfers:

11.9% p.a.

Cash Advance:

19.3% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 55 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years

Introductory Offer

Balance Transfer Rate:

0% for 9 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 9 mths

Typical APR

Purchases:

15.9% p.a.

Balance Transfers:

15.9% p.a.

Balance Transfer Fee:

3%

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You are a permanent resident/citizen of the UK
• You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
• You DO NOT any CCJs or have been made Bankrupt
• You have NOT missed payments on your current store cards, credit cards, loans or mortgages
• You ARE in employment (receiving an annual salary)
• You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:

0% for 9 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 9 mths

Typical APR

Purchases:

15.9% p.a.

Balance Transfers:

15.9% p.a.

Balance Transfer Fee:

3%

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are at least 18 Years of Age
• You are a permanent resident/citizen of the UK
• You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
• You DO NOT any CCJs or have been made Bankrupt
• You have NOT missed payments on your current store cards, credit cards, loans or mortgages
• You ARE in employment (receiving an annual salary)
• You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:

0% for 6 mths

Balance Transfer Fee:

2%

Purchase Rate:

0% for 10 mths

Typical APR

Purchases:

18.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years
• You have not applied for an MBNA or Virgin Credit Card within the last 6 months

Introductory Offer

Balance Transfer Rate:

5.90% For Life

Balance Transfer Fee:

2%

Purchase Rate:

N/A

Typical APR

Purchases:

16.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years

Introductory Offer

Balance Transfer Rate:

0% for 6 mths

Balance Transfer Fee:

2%

Purchase Rate:

N/A

Typical APR

Purchases:

17.9% p.a.

Balance Transfers:

17.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are at least 25 Years of Age
• You have a Good Credit History
• You are in full time employment
• You are a permanent resident/citizen of the UK
• You have a Bank or Building society account

Introductory Offer

Balance Transfer Rate:

N/A

Balance Transfer Fee:

N/A

Purchase Rate:

0% for 6 mths

Typical APR

Purchases:

17.9% p.a.

Balance Transfers:

17.9% p.a.

Cash Advance:

27.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• I am aged 18 or over
• I have a current UK bank or building society account
• I have a permanent UK home address
• I have a household income of at least £30,000
• I have no history of bad debt
• If self-employed, I have been working for more than one year.

Introductory Offer

Balance Transfer Rate:

0% for 13 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

18.9% p.a.

Balance Transfers:

16.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

Subject to Status

Interest Free Days:

Up to 50 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years
• You have not applied for an MBNA or Virgin Credit Card within the last 6 months

Introductory Offer

Balance Transfer Rate:

0% for 12 mths

Balance Transfer Fee:

3%

Purchase Rate:

0% for 3 mths

Typical APR

Purchases:

15.9% p.a.

Balance Transfers:

15.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£50,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• You are currently employed
• You are over 23 years of age
• You are a homeowner
• You have an income of over £20,000
• You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
• You are a resident in the UK and can prove residential addresses for the past two years

Introductory Offer

Balance Transfer Rate:

N/A

Balance Transfer Fee:

N/A

Purchase Rate:

4.90% for 9 mths

Typical APR

Purchases:

19.9% p.a.

Balance Transfers:

19.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£10,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• YOU ARE A NATWEST CURRENT A/C HOLDERS
• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You earn over £10,000 per year

Introductory Offer

Balance Transfer Rate:

N/A

Balance Transfer Fee:

N/A

Purchase Rate:

4.90% for 9 mths

Typical APR

Purchases:

19.9% p.a.

Balance Transfers:

19.9% p.a.

Cash Advance:

24.9% p.a.

Standard Features

Credit Limit:

£10,000

Interest Free Days:

Up to 56 days

Online Banking:

Yes

Approval Criteria

• YOU ARE A RBS CURRENT A/C HOLDER
• You are at least 18 Years of Age
• You have a Good Credit History
• You are a permanent resident/citizen of the UK
• You earn over £10,000 per year