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MBNA Platinum 39 Month Balance Transfer Credit Card

MBNA Platinum 39 Month Balance Transfer Credit Card

? customer score 65%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
18.9% APR 18.9% 27.9% £0

Reward scheme details

0% p.a. for up to 39 months from account opening date, on balance transfers made within the first 60 days, 1.48% balance transfer handling fee. 0% p.a. for up to 20 months from account opening date, on money transfers made within the first 60 days, 4% money transfer handling fee. You are not able to transfer a balance from another MBNA credit card. When these offers come to an end and for transfers made after the 60 days, the standard rate for balance transfers is 20.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

MBNA Limited customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score

65%

Fair

We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account Not provided
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility Hold a UK bank/building society account. UK permanent address for at least 3 years. Good credit rating/history. Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example.
Minimum age to open an account 18

Intro balance transfers

Rate period 39 months
Annual interest 0.0%
Fee 1.48%
Fee min N/A
Fee max N/A
Limit period days 60

Intro purchases

Rate period 0 months
Annual interest N/A

Standard balance transfers

Annual interest 20.9%
Fee 5.0%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 18.9%

Standard cash

Annual interest 27.9%

Other features

Repayment details

Maximum interest free days (purchases) 49
Days to pay 22
Monthly payment min % 1.0%
Monthly payment min £ £25

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.99%
Foreign usage fee (worldwide) 2.99%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 5.0%
Minimum charge £0

Available to manage

Online Yes
Branch No
Telephone Yes

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points No
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.