More Th>n Credit Cards
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The MORE TH>N Credit Card is run in association with Accucard and issued by Lloyds TSB Bank plc. Like most of the CREATE type credit cards, the More Than card is configured by the user. How you can choose to set the card up will depend on the way you typically use your credit card. If you tend to leave large balances then you will configure the card for a lower interest rate, on the other hand if you pay off all balances monthly you can increase the interest rate and take advantage of increased cashback. |
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| Type | MasterCard |
| Cash Back | up to 0.5% cashback on purchases |
| Online application and management | yes 24/7 |
| Introductory offers: | |
| Balance Transfers | 0% for 6 months subject to conditions. Made within 6 weeks after account opening. Payments applied towards Balance Transfers first |
| Purchases | n/a |
| Long term APR (Standard Typical rate) |
typical 13.9%APR representative variable from 9.8% p.a. VARIABLE with £10 annual fee (11.4%APR) |
| Cash Advances (withdrawals) |
£2 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-£10 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. There is no interest free period on balance transfers after the introductory offer, cash withdrawals or credit card cheques. Interest is payable from the transaction date even if you pay your full balance by the due date. Your due date is 20 days after you statement 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: | |
| More Than credit card Other Facts: (issued by Lloyds TSB) | |
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To make things a little easier you can choose from three pre-configured options. have a regular income, have a current account with a bank or building society that you have held for more than 6 months in the United Kingdom , be at least 18, have a home telephone number, have no outstanding county court judgments or defaulted credit accounts Balance Manager Suited to anyone who is likely to be have outstanding balances for an extended period. you get: online account servicing a lower interest rate no CashBack Rewards you pay a small annual fee result: lower interest charges over an extended period compared to other configurations. Select Suited anyone who only used their credit card for the occasional purchases. you get: online account servicing and a lower interest rate no CashBack Rewards CashBack Rewards suited to anyone who pays off their monthly balances in full. you get: online account servicing Maximum available CashBack Rewards a higher interest rate result: since you don't carry outstanding balances the higher interest rate wont affect you sine you won be paying interest. Therefore the maximum cash back makes the most of your purchases. |
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The MORE TH>N Credit Card is brought to you in association with Accucard and
issued by Lloyds TSB Bank plc. Accucard of 125 Shaftesbury Avenue, London WC2H 8AD Lloyds TSB Bank plc. Registered office: 25 Gresham Street , London EC2V 7HN. |
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