Scottish Widows Credit Card

Review: Founded in 1815 and employing some 5,000 Scottish Widows plc. is registered in Scotland at 69 Morrison Street, Edinburgh EH3 8YF. They are also a member of the Scottish Widows and Lloyds TSB Marketing Group. Scottish Widows are a financial institution dealing in the life, pensions, bank accounts, mortgages, credit cards, insurance and investments industry managing £73 billion client funds. The Scottish Widows credit card (from Lloyds TSB) is in association with Accucard. *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!
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 (11.6%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 56 days if your balance is paid by the due date
Other fee's	£6 for copies of non-current statements. £20 for late payments, returned payments, or if you go over your credit limit.
Credit Card Cheques	yes.
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Scottish Widows credit card Other Facts: (issued by Lloyds TSB)
You can change your card features for free three times in any 12 month period. There is a £10 administration fee for each further change. Instant online decision on most applications Online balance transfers FREE issue of additional credit card FREE travel personal accident insurance FREE purchase protection insurance covers against loss or damage to most goods bought with your card Accepted at over 21 million outlets and over 529,000 ATMs worldwide To make things a little easier you can choose from three pre-configured options.  Chip and PIN security. Sentinel card protection option payment protection cover option to apply you must be a UK resident, 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 3 pre-configured options to choose to make life just a little easier: HI-VALUE: lowest interest rates starting at 9.9% p.a. (11.5%APR) variable Electronic statements On-line account management No CashBack rewards £10 annual fee credit card Smart chip security FLEXIBLE: lower interest rates - to trade off with. Electronic statements On-line account management No CashBack rewards No annual fee credit card Smart chip security CASHBACK: Maximum CashBack rewards, up to 0.8% on purchases Traded off against a slightly higher interest rate Electronic statements On-line account management No annual fee credit card Smart chip security
The Scottish Widows Credit Card is issued by Lloyds TSB Bank plc. Accucard is a business name of Create Services Limited, a Lloyds TSB company. Issuing Bank: Lloyds TSB Bank plc, Registered Office of both: 25 Gresham Street , London EC2V 7HN. Create Services Ltd 125 Shaftesbury Avenue, London WC2H 8AD.

Important: The Scottish Widows UK credit cards (issued by Lloyds TSB) featured on this site are intended for use only by consumers who are resident in the United Kingdom.
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