RSPCA Credit Card Review

Published on 20 September 2010 by Raffick Marday

RSPCA Credit Card Review

The RSPCA Credit Card is designed especially for animal lovers. For more than 180 years the RSPCA has been working to relieve the suffering of animals. When you take out an RSPCA card, MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. Thereafter for every £100 spent on credit card purchases, they will receive 25p and it won't cost you any extra.

If you use an RSPCA Credit Card, animals will benefit every time you spend. The RSPCA receives desperately needed contributions each time you use your card to make a purchase, without you having to pay us a penny.

Who can apply for RSPCA credit card?

The RSPCA credit card is a Visa branded card anyone over the age of 18 years can apply for a RSPCA card, online secure application will need to be completed. Ensure the you qualify for a MBNA RSPCA credit card with the application requirements below.

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

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 RSPCA Credit Card?

Visa card is a worlwide trusted brand and is accepted at retail outlets and over Atm machines where ever you see the visa sign.

As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it's not only the animals we rescue that benefit. Read on to find out more about how you could also benefit.

What are the RSPCA default charges?

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

What is the minimum payment each month?

If the credit card balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.

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 RSPCA credit card limit?

RSPCA visa card 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 RSPCA Credit Card, please write to them at MBNA Europe Bank Limited, PO Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW.


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