Yorkshire Bank Gold Mastercard credit card

Yorkshire Bank was founded in 1859 in Halifax, West Yorkshire. With nearly 200 retail branches, a strong personal customer base and an expanding business banking capability through a UK-wide network of 72 Financial Solutions Centres. Yorkshire Bank was named as “Best Regional Lender” for the 11th year running in the 2009 Your Mortgage Awards. Yorkshire Bank is a trading name of Clydesdale Bank plc, a subsidiary of the National Australia Bank Group of companies. Yorkshire Bank joined the Group in 1990.

Type: MASTERCARD
Online application and management

Introductory offers:

Balance Transfers: 0% for first 16 months
(3% fee).

Purchases: 0% for the first 3 months

Long term APR (Standard typical rate): Typical 16.9% APR (variable)

Cash Advances (withdrawals): 24.9% APR variable

Minimum Repayment: 2.5% or £5 (whichever is greater)

interest free period:
• Maximum 59 days for purchases if you pay your balance in full and on time
• There is no interest free period for cash advances
• Interest free period on balance transfers only apply to the introductory period

Payments you make will be applied to your account in the following order:
payments you make to your account firstly to pay off interest, any fees or charges and insurance premiums. Then pay off other transactions in date order, paying off the oldest first, but where they have been outstanding for the same length of time, paid off in the following sequence –
1) Balance Transfers
2) Credit Card Cheques
3) Purchases
4) Cash Advances

Within the above order we Yorkshire Bank pay off transactions on which they charge lower rates of interest before those on which they charge higher rates of interest.

Annual Fee: no

Fee's:
Charges Cash advances – 3% (minimum £3.00)
Balance Transfers – 3% (minimum £3.00)
Foreign Currency Transactions (including purchase of foreign currency and travellers cheques) – 2.95%
Copies of Statements or Vouchers – £5.00
Administration fee for returned cheques or Direct Debits – £10.00
Late payment or Over limit fees – £12.00

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Other Facts:

It takes 10 working days to find out if your application has been approved. You will receive a balance transfer form within your application pack. If you wish to make a second or further balance transfer you can do this providing you have sufficient available funds within your credit limit.