Egg Credit Card Review

Published on 18 August 2010 by Raffick Marday

Egg Credit Card Review

Egg credit card offer a Paperless application process making it faster, easier and hassle-free. Plus Internet shopping guarantees whenever you shop with your Egg Card online, they guarantee you will be covered against any fraudulent transactions carried out without your consent no matter the amount.

The Egg card offers free travel accident insurance, pay for all or part of your airfare using your Egg credit card and you'll have the benefit of free personal travel accident insurance. This valuable protection pays a lump sum if you, your partner or children if they suffer accidental death or serious injury while travelling abroad.

Who can apply for Egg credit card?

To get an egg credit card you need to be a UK resident aged 18 or over. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying for a egg card.

Egg do a paperless application process. The Egg credit card online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection.

Make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions

What benefits do you get with an Egg Credit Card?

No interest will be charged on purchases if every statement balance is paid in full by the payment date and as Visa cards are accepted at over 28 million locations around the world wherever you see the Visa Card sign. In addition you get free cover against online fraud when purchasing on the Internet

What are the Egg default charges?

Egg credit card charge £12 for going over your credit limit, paying late, or payments that bounce.

What is the minimum payment that I will need to make each month?

With an Egg Visa Card you pay the full outstanding balance if it is less than £5, but otherwise the greater of
(1) £5 or
(2) 2% of the Revolving Balance or
(3) interest plus repayment protection premium; plus for transfered balances made during any promotional periods the greater of
(1) £5 or
(2) 2% of the Transfered Balance.

If you only make the minimum payment it will take longer and cost you more to clear your credit card balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.

What is my Egg credit limit?

They will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The minimum credit limit that you can have under this agreement is £500.

Where do I make a complaint?

If you would like to make a complaint about your Egg Money Card, contact Customer Services on 08451 233 233, or by post Customer Relations Office - Egg Banking plc Riverside Road Pride Park Derby DE99 3GG .However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.


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