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Adverse Credit Cards

Credit Cards		Balance transfers		Purchases		Typical APR (Variable)	Benefits
Credit Cards		Rate	Duration	Rate	Duration	Typical APR (Variable)	Benefits
	Capital One Platinum Card 0% on Balance Transfers and Purchases until 1st November 2009 more info Capital One Platinum Card Typical APR of 14.9% Minimum monthly payments of 3.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA until 11/09 Balance transfer fee of 3.0% Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £16000.00/ Min £500.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 21 years old	0.0%	until 11/09 3.0% fee	0.0%	until 11/09	14.9% Typical APR (Variable)	Response in only 5 minutes!
	Virgin Credit Card 0% BT for 15 months, 0% on purchases for 3 months & awesome discounts! more info Virgin Credit Card Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 15 months Balance transfer fee of 2.98% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world Applicants must be over 18 years old	0.0%	for 15 months 2.98% or £3.00 fee	0.0%	for 3 months	15.9% Typical APR (Variable)	First month off with Virgin Media and Virgin Active
	Barclaycard Platinum 14 months Balance Transfer 0% BT until 1st November 2009 and 0% purchases for 3 months. Apply Today! more info Barclaycard Platinum 14 months Balance Transfer Typical APR of 14.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 14 months Balance transfer fee of 2.9% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 14 months 2.9% fee	0.0%	for 3 months	14.9% Typical APR (Variable)	As seen on TV: 6 months FREE Gadget Insurance!
	Capital One Low Rate with Cashback No balance transfer fee more info Capital One Low Rate with Cashback Typical APR of 8.5% Minimum monthly payments of 3.0% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 0.0% Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £16000.00/ Min £500.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	8.5%	n/a 0.0% fee	8.5%	n/a	8.5% Typical APR (Variable)	A low 8.5% APR typical var. with 0.5% Cashback!
	WWF UK Visa 0% BT for 12 months, 0% purchase for 3 months. Best Charity Card of 2008! more info MBNA Europe Bank WWF UK Visa Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world	0.0%	for 12 months 3.0% or £3.00 fee	0.0%	for 3 months	15.9% Typical APR (Variable)	Contribution to WWF for all card purchases made
	BT Credit Card Get money off your phone bill every time you spend on your card more info BT Credit Card Typical APR of 16.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 12 months 3.0% or £3.00 fee	0.0%	for 3 months	16.9% Typical APR (Variable)	Get money off your phone bill!
	SonyCard 0% BT for 12 months, 0% purchases for 3 months. more info SonyCard Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.99% within Europe / 2.99% rest of world	0.0%	for 12 months 3.0% or £3.00 fee	0.0%	for 3 months	15.9% Typical APR (Variable)	3000 Pulsebeats FREE/claim two Movie DVDs
	Lloyds TSB Platinum MasterCard 0% interest on balance transfers for 14 months! more info Lloyds TSB Platinum MasterCard Typical APR of 15.9% Minimum monthly payments of 2.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 14 months Balance transfer fee of 3.0% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £3500.00 Late payment charge of £12.00 Foreign usage rates: 2.95% within Europe / 2.95% rest of world	0.0%	for 14 months 3.0% fee	0.0%	for 3 months	15.9% Typical APR (Variable)	Save money on your shopping
	Halifax One Online Special 0% on BT and Purchases for the first 10 months! more info Halifax One Online Special Typical APR of 15.9% Minimum monthly payments of 2.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 10 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates: 2.95% within Europe / 2.95% rest of world	0.0%	for 10 months 3.0% or £3.00 fee	0.0%	for 10 months	15.9% Typical APR (Variable)	Choice of 5 card colours:Black,Pink, Red,White,Blue.
	Barclaycard Simplicity A low rate for life - 6.8% APR typical (variable) more info Barclaycard Simplicity Typical APR of 6.8% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.5% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £20.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 18 years old	6.8%	for life 2.5% fee	6.8%	for life	6.8% Typical APR (Variable)	Great holiday deals!

We present information which we obtain from independent sources and do not give financial advice. You should check rates and terms with the product provider.

Rates effective on 18 August 2008

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