GM Platinum Credit Card

Review:
'The GM Card' is the trading name of Vauxhall Motors Ltd and are issued by HFC Bank Limited. The GM card was first issued in 1994 and since then over 125,000 consumers have used the card to gain savings off the price of a Vauxhall motor car. The innovative idea behind the GM credit card reward points scheme is that as you use your credit card as you would if it were any other credit card you also earn reward points which can then be redeemed as money off offers on their new cars.

What is The GM Card?
It's the Credit Card with a reward scheme that will help you drive away in a new car sooner. Using your GM Card for everyday purchases earns you Rebate Points, which can be redeemed as a saving of up to £2000 off a new Vauxhall or up to £2500 off a new Saab. Rebate Points are earned at the rate of 3% of your spend Partner Points are earned on top of your normal Rebate Points whenever you shop at The GM Card Partners. The Partner Points rate is currently 3% of your spend 100 free Rebate Points when you use your GM Card for the first time (the equivalent to £100 saving off your new Vauxhall or Saab) Transfer your Rebate Points to an eligible family member who is not a GM Cardholder. Two GM Cardholders living at the same address can pool their Rebate Points.

Type	MasterCard
Reward Points
Cash Back	no
Online application and management	yes 24/7
Introductory offers:
Balance Transfers: 0% for 5 months from first activating your account. 2% handling fee (minimum £5).
Purchases	n/a
Long term APR (Standard Typical rate)	Purchases: Typical 14.9% APR (variable)
Cash Advances (withdrawals)	A handling fee of 1.75% or minimum £2.50 whichever is greater. APR of 18.9%
Minimum Repayment	£5 or 2%, Whichever is the greater.
Annual Fee	no annual fee
non sterling transactions	2.75% of the amount of the transaction
Interest free period	up to 56 days if your balance is paid by the due date
Other fee's	a fee of £5 to stop a cheque, first statement date change is free, subsequent changes £10, Data Protection Act Enquiry £10, copy vouchers £5 copy statements £5. Default Charges: £12 if you exceed your credit limit. £12 if you pay late. £12 if a cheque for a Balance Transfer is returned unpaid. £12 if any payment is returned unpaid. £12 if we serve a Default Notice.
Credit Card Cheques	yes.
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GM Platinum credit card Other Facts:

FREE Additional Card

FREE Travel Accident Insurance

Credit is available to persons aged 18 years or over and resident in the UK (or 21 and over in the Channel Islands

Safe Shopping Promise
No liability for fraudulent use of your GM Platinum Card on the Internet.

Internet Delivery Insurance
The insurance runs from the time of purchase to the time of delivery and will pay the cost of repair or replacement of the goods damaged or lost prior to delivery.

Travel Accident Insurance

Payment Protection Insurance 'The GM Card' is the trading name of Vauxhall Motors Ltd. Vauxhall Motors Ltd is solely responsible for the operation of the Rebate Points Programme, which is subject to the Rebate Points Programme Rules. The GM Card is issued by HFC Bank Limited. HFC Bank Limited is not a member of the same group of companies as Vauxhall Motors Ltd.