MBNA Platinum Plus Credit Card

About MBNA Platinum Plus credit card...

- Super long balance transfer offer
- 0% on cash transfers to a current account too
- 0% on purchases until August 2008

The MBNA Platinum Plus credit card offers 0% balance transfers until June 2009 (2.9% transfer fee) and 0% on purchases until August 2008, plus no annual fee.

The added bonus on the MBNA Platinum Plus credit card is the flexibilty of the 0% balance transfer deal - allowing you to transfer a cash balance from the card to a current account - for paying other non-card debts, a short-term loan - or even for 'stoozing'.

With the MBNA platinum plus credit card there is no liability for theft, loss or fraudulent internet use of the card.

Apply for MBNA Platinum Plus 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% until 1 August 2008	Payments will be applied towards introductory rates first.
Balance Transfers	0% until 1 June 2009 Includes transferring cash into a current account	Also includes credit card cheques. payments are applied towards balance transfers first.
Balance Transfer Fee	2.9% (£3 minimum)	When you transfer a balance to this card you will be charged a 'handling fee', this fee also applies to credit card cheques.
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	3% (£3 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	2.99%	This is fee you will be charged for credit card transactions made abroad.

Cardholder Services & Extras
		Notes..
Online Account Management	Yes	You can log in to a website and manage your MBNA platinum plus credit card account online.
MBNA Secure	Protection with MBNA Secure, covering Safe Shopping, Fraud Warning System, Chip & Pin Protection and Identity Theft Protection Scheme.	-
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.
Travel Accident Insurance	Up to £100,000	When you use this card to buy travel tickets you and your family will be covered against death or serious injury whilst abroad.
Travel Inconvenience Insurance	Up to £250	For food, accommodation and additional travel expenses charged to the MBNA platinum plus credit card if your travel is delayed for 8 hours. Also covers the cost of purchasing emergency clothing if your luggage is delayed for more than 12 hours.
Lost Luggage Insurance	Up to £1,500 (Platinum cardholders only)	If your luggage that has been checked in is stolen, lost or misdirected by the carrier.
Other Extras	24 hour customer service	-
Optional Extras	Payment protection	These are extras that you can choose, but you will have to pay for them.

Payments & Payment Details
		Notes..
Credit Limit	£50000 maximum	Credit limit may vary from person to person and is subject to status.
Interest Free Period	Up to 56 days	On card purchases only, if you pay your statement balance in full and on time every month. There is no interest free period on balance transfer or cash withdrawals.
Minimum Monthly Payment	3% (£25 minimum)	The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero).
Allocation of Payments	Items at lower rates will be repaid before items at higher rates	When you make a payment to this card, payments will be applied first to low interest rate balances, and then to higher interest rate balances. Where there are two balances at the same promotional rate, the balance with the longer promotional period will be repaid first.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.

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	MBNA	This is the bank behind your credit card.
Card Advertiser	MBNA	This is the company who advertises and promotes this credit card.