What we think of it...

Our editors are currently reviewing the Alliance & Leicester credit card.

A little more detail

Rates and Fees

			Special Note..	Any good?
Typical APR		15.9% APR (variable) -	-
Introductory Purchase Rate		0% for 3 months	-
Balance Transfer Rate		0% for 12 months	Includes credit card cheques
Balance Transfer Fee		3% (£3 minimum)	-
Cash Withdrawal Rate		27.9% p.a. (variable)	-
Cash Withdrawal Fee		3% (£3 minimum)	-
Annual Fee		£0	-
Foreign Transaction Fee		2.99%	-

Extras

			Special Note..	Any good?
Online Account Management		Yes	-
Internet Fraud Guarantee		Yes	There is no liability or excess to pay for theft, loss or fraudulent Internet use, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Other Extras	-	24 hour customer service	-
Optional Extras	-	Payment protection insurance	There is a charge for this optional extra.

Payments

			Special Note..	Any good?
Credit Limit		Up to £50,000	-
Interest Free Period		Up to 56 days	There is no interest free period on balance transfer or cash withdrawals.
Minimum Monthly Payment		3% (£25 minimum)	-
Allocation of Payments		Lower rate items » Higher rate items	Where there are two balances at the same promotional rate, the balance with the longer promotional period will be repaid first.
Default Charges		£12	-

Card Details

			Special Note..	Any good?
Online Application	-	Yes	Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score.
Card Type		Classic	-
Payment Company		MasterCard	-
Card Issuer		MBNA	-
Card Advertiser		Alliance and Leicester	-

At a Glance

Typical APR	15.9% APR
Credit limit	Up to £50,000
Intro purchases	0% for 3 months
Balance transfer	0% for 12 months (3% transfer fee - £3 min)
Interest free period	Up to 56 days
Annual fee	£0

	This card includes:
	Online Account Management
	Internet Fraud Guarantee
	It is best suited for:
	People looking for a decent length 0% balance transfer deal - who aren't transferring from another MBNA issued card.
	Wait! Only apply if you are...
Aged 18 or over UK resident

More about this card...