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Adverse Credit Cards

Credit Cards		Balance transfers		Purchases		Typical APR (Variable)	Benefits
Credit Cards		Rate	Duration	Rate	Duration	Typical APR (Variable)	Benefits
	Thomas Cook Credit Card 0% Foreign Exchange fee!Up to 3 months 0% purchases at Thomas Cook. more info Thomas Cook Credit Card Typical APR of 17.9% Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 9 months Balance transfer fee of 2.99% or £2.99 Cash withdrawal fee of 2.99% / Minimum £2.99 Credit limit: Max £50000.00/ Min £250.00 Late payment charge of £12.00 Foreign usage rates: 0.0% within Europe / 0.0% rest of world Applicants must be over 18 years old	0.0%	for 9 months 2.99% or £2.99 fee	n/a	n/a	17.9% Typical APR (Variable)	Get a Thomas Cook holiday voucher worth £150! Ts&Cs apply.
	easyJet MasterCard 4,000 easyJet Miles when you spend £250 in the first 3 mths! more info easyJet MasterCard Typical APR of 16.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 9 months Balance transfer fee of 3.0% or £5.00 Cash withdrawal fee of 3.0% / Minimum £5.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 9 months 3.0% or £5.00 fee	n/a	n/a	16.9% Typical APR (Variable)	Free easyJet flight worth £40 when you spend £250!
	Barclaycard Flexi-Rate Visa 0% BT for 14 months, 0% interest on purchases for 3 months. more info Barclaycard Flexi-Rate Visa Typical APR of 14.9% Minimum monthly payments of 2.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 14 months Balance transfer fee of 2.9% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £20.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 18 years old	0.0%	for 14 months 2.9% fee	0.0%	for 3 months	14.9% Typical APR (Variable)	Great holiday deals
	Virgin Atlantic White 1 mile for every full £1 you spend + 3,000 Flying Club miles free more info Virgin Atlantic White Typical APR of 17.9% Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 6 months Balance transfer fee of 2.0% or £3.00 Cash withdrawal fee of 2.0% / Minimum £2.50 Credit limit: Varies Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 6 months 2.0% or £3.00 fee	n/a	n/a	17.9% Typical APR (Variable)	Flying Club Miles + Travel Benefits
	Barclaycard Simplicity A low rate for life - 6.8% APR typical (variable) more info Barclaycard Simplicity Typical APR of 6.8% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.5% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £20.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 18 years old	6.8%	for life 2.5% fee	6.8%	for life	6.8% Typical APR (Variable)	Great holiday deals!
	BA Amex® Card 1 BA Miles per £1, No Annual Fee. more info BA Amex® Card Typical APR of 17.9% Minimum monthly payments of 2.5% or £5.00 No annual fee No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Varies Min £700.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a No balance transfer fee	n/a	n/a	17.9% Typical APR (Variable)	Apply today and collect up to 1,000 bonus BA miles!
	Barclaycard Low Rate Special 8.8% APR typical (variable)+ 0% for 3 mths on Purchases. more info Barclaycard Low Rate Special Typical APR of 8.8% Minimum monthly payments of 2.25% or £5.00 No annual fee No balance transfer rate Balance transfer fee of 2.5% Cash withdrawal fee of 2.5% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	8.8%	n/a 2.5% fee	0.0%	for 3 months	8.8% Typical APR (Variable)	Great holiday deals!
	Post Office Platinum MasterCard 0% BT for 10 months and 0% on Purchases for 3 months more info Post Office Platinum MasterCard Typical APR of 15.9% Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 10 months Balance transfer fee of 2.75% Cash withdrawal fee of 2.5% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates: 0.0% within Europe / 0.0% rest of world	0.0%	for 10 months 2.75% fee	0.0%	for 3 months	15.9% Typical APR (Variable)	0% commission on purchases overseas
	Tesco Clubcard 5 points for every £4 you spend at Tesco or Tesco.com/Collect AirMiles! more info Tesco Clubcard Typical APR of 16.9% Minimum monthly payments of 3.0% or £5.00 No annual fee Balance transfer rate of 0.0% PA for 14 months Balance transfer fee of 2.9% Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £5000.00/ Min £250.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 14 months 2.9% fee	0.0%	for 6 months	16.9% Typical APR (Variable)	Instant decision online
	MBNA Rewards American Express® 0% BT for 12 months & 0% on card purchases for 3 months + rewards! more info MBNA Rewards American Express® Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world	0.0%	for 12 months 3.0% or £3.00 fee	0.0%	for 3 months	15.9% Typical APR (Variable)	Exclusive Cardmember and VIP travel services
	BA Amex® Premium Plus 3 BA Miles per £2, £120 Annual Fee more info BA Amex® Premium Plus Typical APR of 43.5% Minimum monthly payments of 2.5% or £5.00 Annual fee of £120.00 No balance transfer rate No balance transfer fee Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Varies Min £1200.00 Late payment charge of £10.00 Foreign usage rates: 2.73% within Europe / 2.73% rest of world	n/a	n/a No balance transfer fee	n/a	n/a	43.5% Typical APR (Variable)	Apply today and collect up to 6,000 bonus BA
	bmi American Express® Earn bmi miles & FREE Diamond Club Membership more info bmi American Express® Typical APR of 15.9% Minimum monthly payments of 3.0% or £25.00 No annual fee Balance transfer rate of 0.0% PA for 12 months Balance transfer fee of 3.0% or £3.00 Cash withdrawal fee of 3.0% / Minimum £3.00 Credit limit: Max £50000.00/ Min £0.00 Late payment charge of £12.00 Foreign usage rates: 2.75% within Europe / 2.75% rest of world Applicants must be over 18 years old	0.0%	for 12 months 3.0% or £3.00 fee	0.0%	for 3 months	15.9% Typical APR (Variable)	Spend £250 & receive 20,000 destinations miles

We present information which we obtain from independent sources and do not give financial advice. You should check rates and terms with the product provider.

Rates effective on 18 August 2008

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