Ipledge Credit Card



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*PLEASE NOTE: THIS PAGE IS A SNAPSHOT OF WHAT WAS AVAILABLE ON 30th JUNE 2006 WHEN THIS CARD WAS LAST OFFERED TO THE PUBLIC. IT IS FOR INFORMATION PURPOSES ONLY AND IS NO LONGER OFFERED!

Review:
iPledge was formed to provide both information and products which would give parents the means to get a head start saving towards their children's' university education. The ipledge aim is to help you to start saving for the costs of your children's university education as early and as easily as possible by integrating a range of products geared to producing savings that can benefit parents and their children. The ipledge credit card provides a mix of savings and Cashback rewards from some of the UK's best known names. 10% of its profits go to a scholarship fund to award scholarships to the most promising and deserving students. The ipledge credit card is made possible with the partnership between AccuCard and the Children's Mutual. Overtime the number of partners will increase. Accucard were the originators of the configurable credit card while The Children's Mutual (The Children's Mutual is the brand name of Tunbridge Wells Equitable Friendly Society) handle the deposit account into which your cash back rewards are deposited.
Type MasterCard
Cash Back up to 0.8% cashback on purchases
cash back rewards are paid into the iPledge Deposit Account, provided by Bank of Scotland which is an account designed by The Children's Mutual specifically for the iPledge Credit Card.
Other savings up to 20% savings can be made over and above the cash back offer when shopping via the ipledge online shop and save page. Current retailers include Columbus, River Island, The Link, Boots, Currys, Dixons, Debenhams, John Lewis,  W H Smith and Marks and Spencer's.
Online application and management yes 24/7
Introductory offers:
Balance Transfers 3.9%APR for life of balance transfer when transferred within 6 weeks of activating your ipledge credit card.
Purchases n/a
   
Long term APR (Standard Typical rate) Typical APR 15.9% VARIABLE:
from 9.9% p.a. VARIABLE with £10 annual fee
Cash Withdrawls £2.50 or 2% whichever is greater.
rates from 11.6%APR-19.9%APR depending on configuration chosen and your personal credit history.
Minimum Repayment £5 or 2% of your balance transfers plus the larger of £5 or 2% of other balances. Whichever is the greater.
Annual Fee £0-£30 depending on configuration
non sterling transactions 2.75% of the amount of the transaction (including the purchase of foreign currency and travellers' cheques)
Interest free period up to 51 days if your balance is paid by the due date
Other fee's £5 for copies of non-current statements.
£20 for late payments, returned payments, or if you go over your credit limit.
Credit Card Cheques yes.
Apply Now:
Ipledge credit card Other Facts:
  • changes your ipledge credit card features up to 3 times a year for free

  • free travel accident insurance

  • free purchase protection insurance

  • chip and PIN security

  • emergency cash advance from £50 to £500 worldwide

  • accepted at over 21 million locations

  • 24/7 access to over 529,000 ATMs across the globe

  • Card Protection Plan option

  • Payment Protection Insurance option

  • to make a little bit easier there are three pre-configured options to choose from:

    High Cashback
    suited to those consumers who:
    pay for most purchases with their credit card, usually pay off their balance each month

    you get:
    maximum available Cashback
    a higher interest rate

    Medium Cashback
    suited to those consumers who:
    use their credit card for occasional purchases

    you get:
    a lower interest rate
    reduced Cashback

    Low APR
    suited to those consumers who:
    tend to have large outstanding balances month to month

    you get:
    lowest interest rate
    no Cashback
  • The iPledge credit card is administered by Create Services Limited.
    Create Services Limited, 125 Shaftesbury Avenue , London WC2H 8AD

    Important: The Ipledge UK credit cards featured on this site are intended for use only by consumers who are resident in the United Kingdom.

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