CARD NAME

Capital One Bank Visa Card

ISSUING BANK

Capital One Bank (Europe) plc. Registered Office: 350 Euston Road, London NW1 3JJ. Registered in England and Wales. Company Number: 3879023.




CARD TYPE

VISA

USP

The Capital One Classic Visa Card is aimed at helping you to strengthen your credit rating. By simply using your card*, staying within your credit limit and making your payments on time - your initial credit limit will be increased on your 4th statement.

PROS

The Capital One Classic Visa Card comes with these great benefits:

No Annual fee
Up to £2,500 in spending power (Minimum credit limit of £100; maximum credit limit £2,500)
Credit limit increase - simply use your card*, stay within your credit limit and make your payments on time and your initial credit limit will be increased on your 4th statement
Free choice of card design
Spread your payments
Free Identity Theft Service
Register online for Free Identity Alerts powered by Equifax
Maximum of 56 days interest free for purchases where the balance is paid in full every month. 0 days for balance transfers and cash.

CARD TERMS & FEES

No Annual fee
Typical APR - 34.9% APR variable
Minimum monthly payment - 5% or £5 whichever is greater
Balance transfer handling fee - 3%
Foreign currency conversion charge - 2.75%
Cash withdrawal charge - 3% (minimum £3.00)
Late and failure to pay default sum - £12
Returned payment default sum - £12
Over limit default sum - £12
Returned credit card cheque default sum - £12.00

WHO CAN APPLY?

UK resident aged 18 or over with or without bad credit. Proof of identity and address essential. Not bankrupt or listed on fraud databases.

ATM LIMITS

Maximum ATM withdrawal - Not to exceed the credit limit on the Card and in accordance with daily withdrawal limits.

MISC

The Capital One Classic Visa Card can be used anywhere that you see the Visa acceptance mark - in store, by telephone and online. Up to 56 days interest free on purchase transactions if you pay your balance off in full each month.

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