Barclaycard Platinum 'Life of Balance' Credit Card

About Barclaycard Platinum credit card...

- Low rate balance transfers until repaid in full
- No balance transfer handling fee to pay
- Barclaycard cardholder services & benefits

This 'Life of Balance' version of the Barclaycard Platinum credit card primarily differs in it's offering of a low rate for life on balances transferred from other card accounts.

Where it doesn't differ is in the excellent range of cardholder extras and services you would expect from a Barclaycard.

The balance transfer offer is perfect for anyone who doesn't want the hassle of moving between deals and has current card balances that may take longer than a year to repay.

Offering a low rate of just 6.5% per annum - this rate will last until you have repaid your transferred balance in full - however long that takes.

The added bonus with this life of balance transfer deal is that Barclaycard won’t charge you a handling fee for moving your balance - which has become the rarity even on life of balance deals.

Balance transfers are subject to a maximum of £5,000 or 90% of your credit limit - any amount honoured in excess of this will be charged at a rate of 6.9% p.a. until repaid in full.

Once you've cleared up all your existing card debts you can continue to use the Barclaycard Platinum credit card for any credit card payments without too much fear that you might be missing out on a better deal.

Offering a competitive standard interest rate and a whole host of cardholder services and extras including purchase delivery protection, fraud securities, travel discounts, insurance and worldwide assistance and shopping savings.

Apply for Barclaycard Platinum credit card

Interest Rates and Fees
		Notes..
Typical APR	15.9% APR (variable)	The typical APR is the rate most people are offered.
Introductory Purchases	0% for 10 months
Balance Transfers	6.5% for life of balance On amounts up to £5,000	On amounts up to £5,000. Balances must be transferred within 60 days of account opening. Payments will be applied towards promotional balance transfers first.
Balance Transfer Fee	None	There is no handling fee to pay on balances transferred within the first 60 days.
Cash Withdrawal Rate	27.9% p.a. (variable)	This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money.
Cash Withdrawal Fee	2.5% (£2.5 minimum)	When you use your credit card to get cash you will be charged a 'handling fee' for doing so.
Annual Fee	£0	-
Foreign Transaction Fee	2.75%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
Travel Service	Great holiday deals with Barclaycard's Travel Service	-
Savings	Savings with a range of retailers and companies	Savings with Thomas Cook, Avis, Hilton, Emirates, Center Parcs, buyagift.com, Laithwaites and Dominos.

Cardholder Services & Extras
		Notes..
Online Account Management	Yes	You can log in to the Barclaycard web site and manage your Barclaycard Platinum credit card account online.
Purchase Delivery Protection	Yes	Covers brand new goods bought with your Barclaycard platinum credit card if they don't arrive or are delivered damage and you are unable to resolve the issue with the supplier. Covers goods bought online, over the telephone and in the high street if goods are delivered.
Fraud Protection	Yes	Barclaycard will look out for any unusual activity on your account and contact you to make sure it's not fraudulent.
Identity Protection Service	Yes	Confidential advice if you become an identity theft victim.
Travel Insurance	Free single trip travel insurance	When you book your holiday (between 2 and 21 days long) through the Barclaycard Travel Service. Up to 5 friends and family members travelling with you will be covered. Exclusions and terms and conditions apply.
Worldwide Assistance	Free help if anything goes wrong while you're abroad	Barclaycard can help you in the case that anything goes wrong whilst you are abroad. They can provide legal assistance, medical emergency help, arrange flights and transport to get you home as quickly as possible, interpretation, send a message home, and help with lost or stolen documents.
Emergency Card Replacement	Emergency card replacement and emergency cash advance	Barclaycard will get you an emergency card replacement if yours is lost or stolen anywhere in the world. Barclaycard can also arrange an emergency cash advance of up to £1,000 a week (subject to available funds on your account), and they'll even refund the cash handling fee.
Other Extras	Barclaycard Secure, Barclaycard Travel Service	-
Optional Extras	Card Protection, Payment Protection, Everyday Cover, Identity Theft Protection	These are extras that you can choose, but you will have to pay for them.

Payments & Payment Details
		Notes..
Credit Limit	£250 minimum	Credit limit may vary from person to person and is subject to status.
Interest Free Period	Up to 56 days	For purchases if you pay your balance in full and on time. this is the amount of time you have to clear your balance in full each month before you are charged any interest. There is no interest free period on cash withdrawals, cheques or balance transfers.
Minimum Monthly Payment	2.25% (£5 minimum)	The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero).
Allocation of Payments	Promotional rate balances, interest and charges, standard balance and then cash withdrawals.	When you make a payment to this card, payments will first be applied towards promotional balance transfers and / or purchases, then interest charges and any fees, then standard rate balances and then cash withdrawals.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.
Copy of Statement Fee	£3	This is the fee you will be charged for duplicate statements.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Platinum	-
Payment Company	Visa	This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'Visa' logo will accept this card.
Card Issuer	Barclays Bank	This is the bank behind your credit card.
Card Advertiser	Barclaycard	This is the company who advertises and promotes this credit card.