Think Credit Card

Published on 21 July 2012 by Raffick Marday

Think Visa Credit Card CO OP Think Credit card – Benefits & Rewards

The new think credit card from The Co-operative Bank offers a range of financial and ethical benefits that make a tiny difference to the world every time you use it. It’s the perfect credit card for people who think about the bigger picture – but also want a good deal from their credit card.

Card Name
Think credit card
Card Type
Visa Card
Card Issuer
Co-Op Bank
Exclusive Features
Rewards you for making greener and more ethical choices in your day-to-day life.


Minimum Age 21 years or over
Minimum Income Have a regular income of more than £15,000 pa
Status You must have a residential UK address for 3 months or more and have a legal right to reside within the UK – Proof of ID required – Credit check done -

Type of card – Visa Credit Card

The Think card is a Visa card – Visa cards can be used in 160 countries, and are accepted by over 24 million merchant outlets worldwide.

Think Credit Card Fees

Card Application Fee FREE Card
Card annual fee FREE
Card Limit Minimum credit limit of £500, maximum credit limit subject to status
Interest Free Period 59 days
Minimum payment 2% of outstanding balance or £5 (whichever is greater)
Late Payment charges Late payment (payment received after the due date) £12
• Exceeding credit limit £12
• Uncleared payment direct debit £12
Introductory offers – APR
Intro Rate
Intro Period
Annual Rate
Balance Transfer
6 months
n / a
Balance Transfer details
Fee percentage None
Minimum fee None
maximum fee None

Charges –

Charges • Cash withdrawals (inc. travellers cheques, foreign currency and
2.5% of value, min. of £3
• gambling transactions)
• Overseas transactions 2.75% of transactions
• Duplicate statement £5
• Copy sales purchase voucher £5
Allocation of payments If you only make a part payment to your account we apply that payment in the following order; interest,charges,cash
payment advances,standard rate purchases (this includes any payment protection insurance) and promotional rates (including
purchases from our ethical partners and balance transfers). If you have more than one transaction in any ,category your
payment will reduce the balance in order from the oldest to the most recent.

Additional Benefits –

  • Half an acre of Brazilian rainforest purchased and protected in your name when you transact on your credit card for the first time, plus a contribution of 25p will be made to Cool Earth for every £100 spent on the card
  • a special rate of 7% pa on products bought from our ethical partners , for 6 months after each purchase ** – usually 12.9% APR typical/variable
  • 7% pa on balance transfers † for 6 months from the date of each balance transfer

Issued By:

The Co-operative Bank p.l.c.

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