Post Office credit card
|
Card Name
|
Post Office credit card |
| Card Type |
MasterCard |
| Card Issuer |
Bank of Ireland |
| Exclusive Features |
free purchase and fraud protection
|
Eligibility
| Minimum Age |
18 years or over |
| Minimum Income |
earn £8000 for classic card and £20,000 for a platinum card |
Status
|
You must have a residential UK address,
current address/addresses for the last 3 years - Proof of ID required - Credit check done -
|
Type of card - MasterCard
The Post Office Credit Card is a MasterCard card - It can be used at over 25 million locations worldwide also with over 1 million ATM in over 210 countries whereever you see the MasterCard - Maestro or Cirrus acceptance sign.
Post Office Card Fees
| Card Application Fee |
FREE |
| Card annual fee |
FREE |
| Card Limit |
The minimum credit limit is £500, the maximum credit limit is subject to status. |
| Interest Free Period |
56 days |
| Minimum payment |
The monthly minimum payment will normally be made up of the greater of 2.5% of the outstanding balance on your account or £5.00 |
Late Payment charges
|
Unpaid Direct Debit or cheque £12.00. Over credit limit £12.00. Late payment £12.00
|
Introductory offers - APR |
Intro Rate |
Intro Period |
Annual Rate |
| Purchases |
0% |
3 months |
14.88% |
| Balance Transfer |
0% |
10 months |
14.88% |
| Cash |
n/a |
n / a |
20.83% |
Balance Transfer details |
|
| Fee percentage |
2.75% |
| Minimum fee |
£3.00 |
| maximum fee |
2.75% handling fee |
Rewards - Features and Benefits
Charges -
| Cash Withdrawal |
Cash Advances are subject to a handling fee of 2.5% subject to a minimum of £3.00 |
| Allocation of payments |
They will apply payments we receive in the following order:
1. Payments due in respect of any Payment Plan
2. Interest on most fees
3. Fees and insurance premiums 4. Interest on Purchases, Balance Transfers and Cash Advances
5. Purchases, Balance Transfers and Cash Advances |
Additional Benefits -
- online account management
- 3 ways to pay: in branch, by Direct Debit or phone
- free purchase and fraud protection
- helpline available 365 days in a year
Issued By:
Post Office Ltd is an an appointed representative of Bank of Ireland which is authorised by the Irish Financial Regulator and the Financial Services Authority; regulated by the Financial Services Authority for the conduct of UK business. Bank of Ireland, incorporated in the Republic of Ireland with limited liability, Registered in England and Wales with branch number BR000459. Post Office Ltd. Registered in England and Wales number: 2154540. Registered Office: 80 Old Street, London, EC1V 9NN
.
Disclaimer All prepaid credit card and credit cards APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a prepaid credit card issuer or credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the prepaid credit card or credit Card agreement fully and carefully before making any agreement.
