Full product details for the Creation Balance Transfer Card (12 Mth) credit card, including card details, application criteria, introductory rates, standard rates, benefits, fees & charges and business credit cards.
from 1 rating
1 customer rated their Creation credit card as 4.0 out of 5 in our 2010/2011 Consumer Finance Awards.
The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Intro Balance Transfer Rate
0%
The annual introductory rate for balance transfers is 0.0%.
Intro Balance Transfer Duration
12 months
Introductory balance transfer rate applies for 12 months.
Intro Balance Transfer Window
60 days
Balance transfers made within 60 days will receive the introductory offer associated with this card.
Intro Balance Transfer Fee
3%
Introductory balance transfer fee of 3.00% applied.
Intro Purchase Rate
0%
The introductory rates for purchases is 0.0%.
Intro Purchase Duration
3 months
The monthly introductory rate for balance transfers is 3%.
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no specified minimum income required.
Annual Fee
£0
There is no annual fee.
Representative APR
18.9%
Representative APR is 18.9%.
Cashback & Rewards Credit Card
yes
International Charges
2.99%
If the cardholder makes transactions in a currency other than sterling, a charge of 2.99% is applied to the value of each foreign current transaction.
Air Miles
no
No travel reward programme available.
Application Criteria
Permanent UK Resident
yes
This product is only available to individuals who are permanent UK residents.
Existing Customers Only
no
Minimum Age
18 years
Minimum age for applicants is 18 years.
Minimum Income
£0
There is no specified minimum income required.
Credit Rating
good
Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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Compare Creation Balance Transfer Card (12 Mth) With These Credit Cards
Get an initial purchase duration of 3 months from this credit card.
Applicants will get 0% monthly purchase intro rate.
Plus Credit Card Account gives an intro balance transfer window of 90 days.
A purchase interest rate AER of 17.9% is offered by bmi.
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.5% (variable)+£85 fee p.a