Capital One have a credit card entitled Classic Classic Card, with no
annual fee. To be eligible to apply for this card customers must be 18
years of age or over with a limit of between £250 and £2500, ideal for
students. Instant withdrawals are possible from cash machines, however
34.9%APR variable is chargeable for purchases made on the credit card.
This rate is considerably higher than 10.9%. Again cash advances are
charged at 1.5% with repayments of 5% of the total outstanding balance.
Internet fraud protector is also included in the package.
Classic One Classic Summary
Age 18 or over
UK resident and able to prove identity and address
You not being bankrupt or not listed on fraud
databases*
You are able to provide a deposit of between £49 and
£200 if required for a secured card
Most cards issued are Classic Cards. If we are unable to
offer you a Classic Card, we will offer you a secured
card
Choice of card designs
No annual fee
Spread your payments
All applicants for a Capital One Classic Card card must be aged 21
or over, receiving an income of £10,000 or more per annum and be
resident in the UK. Credit is available subject to status and
conditions. If your application is accepted, we will set a
credit limit. If you have applied to transfer the balance from
another credit card, we will transfer an amount according to
this limit. Your Capital One credit card will have a 0.00%
interest rate for purchases fixed for 6 months and 13.21% per
annum interest rate variable thereafter which gives an
APR of 10.9%
variable. The interest rate for balance transfers made in the
first six months is 3.94% p.a. variable, giving an
APR of 3.9% for
the life of the balance. For new balances transferred after 6
months the interest rate will be the same as the standard
variable purchase rate. If you do not manage your account as we
ask you to in your terms and conditions your risk may change
which may lead to your balance transfers made in the first 6
months being charged at the standard variable purchase rate. For
cash advances you will be charged 20.5% APR
variable (including a handling charge of 1.5%, minimum £2.00).
Charges and interest rates are variable. The minimum monthly
payment is 3% of the outstanding balance or £5, whichever is
greater. A written quotation is available on request. If you
have applied for a Capital One card in the last 6 months your
application may be declined. If you already have a Capital One
card, please do not re-apply. To help improve our service, we
may record/monitor calls to and from Capital One Bank (Europe)
plc, 350 Euston Road, London NW1 3JJ. The purchase APR takes
account of the introductory rate and standard rate. Apply for
the Classic One Classic Card Today
