Easymoney Credit Card Details and Review
By now you
must of heard of Stelios, he is the entrepreneur who started Easy Jet,
Easy Cars etc. His business ethos is simple, if the general public want
it, let's give to them at an affordable price.
Well, he hasn't let you down with with his
Easymoney Credit
Card. It is one of the new generation cards like
Lloyds Createcard,
Accucard and
MoreThan
credit cards. In Short, it allows you to apply for an credit card and
design it to suit YOUR needs.
Because every card is tailored to take into account your
personal financial circumstances,
easyMoney.com
offers an unbeatable choice.
You define the package of features - including interest rate, cashback rewards
and annual fee - that best suit your financial needs. See how easy it is to
build your own card by viewing their on-screen demo.
The
easyMoney.com credit card is designed to be as flexible to operate as
you choose. You can access your account 24 hours a day, 7 days a week, through
the web and enjoy comprehensive online support.
Operating online means we make savings that are reflected in the competitive
benefits you enjoy. That is why selecting extra services, such as managing your
account over the phone and receiving paper statements, are available at a small
additional price. As an
easyMoney.com credit card holder you only pay for what you use.
So, Which Easymoney Card is right for you?
It all depends on how you normally use your card. Pay off your
balance each month? Need low interest for balance transfers? They will
show you how you can select the best
easyMoney.com
credit card package for you.
|
SUMMARY BOX - easyMoney Credit card |
| This table summarises our key credit card
features. It does not replace any legal conditions and you are advised
to read the full conditions for more information. |
| Annual Interest Rates |
Introductory Rate |
Standard Interest Rate
(Variable) |
| Purchases |
N/A |
11.4% APR - 19.9% APR
Typical APR 13.9%* |
| Cash Withdrawals |
N/A |
13.7% APR - 22.4% APR
Typical APR 16.2%* |
| Balance Transfers |
0% for 6 months (subject to terms) on balances
transferred within 6 weeks of account opening |
11.4% APR - 19.9% APR
Typical APR 13.9%* |
| Monthly rates |
Introductory Rate |
Interest Rate (Variable) |
| Purchases |
N/A |
0.904% - 1.524%
Typical rate 1.090%* |
| Cash Withdrawals |
N/A |
0.904% - 1.524%
Typical rate 1.090%*
Excludes cash withdrawal charge. |
| Balance Transfers |
0% for 6 months (subject to terms) on balances
transferred within 6 weeks of account opening |
0.904% - 1.524%
Typical rate 1.090%* |
| Interest free period |
Up to 51 days on Purchases if your
full balance is paid off by the due date on both the previous and the
latest statements. |
| There is no interest free period on balance
transfers**, cash withdrawals or credit card cheques. Interest is
payable from the transaction date even if you pay your full balance by
the due date. **except for promotional rate balance transfers at 0% |
| Allocation of payments |
After the minimum payments have been made,
the remainder of your payment is allocated to promotional balances first
(see section 2 of customer terms and conditions for further details) |
| Minimum repayment |
The larger of £5 or 2% of your balance
transfers plus the larger of £5 or 2% of other balances. |
| Fees |
Annual fee: £0 - £30 depending on the range
of benefits and interest rates you choose |
| Charges |
|
| Cash Withdrawals |
2% or minimum £2.00 |
| Non-sterling transactions |
2.75% of the amount of the
transaction (including the purchase of foreign currency and travellers'
cheques) |
| Copy Statements |
£5 for copies of non-current
statements |
| Default Charges |
£20 for late payments, returned
payments, or if you go over your credit limit |
| *The actual rate offered will depend on your
credit history and the combination of benefits you choose |
| These details are correct as at 1st April
2004 |
Always check the details on the
easyMoney.com
site as they may change before we have had a chance to change them here.
All in all, Stelios has produced a great looking
credit card with all of the benefits of a fast paced lifestyle. You can
change the card details around as much and as often as you wish without
charge.
We would give
easyMoney.com
an 8/10
|
