Credit Card Review & Application

e-Platinum Plus with CardOneBanking MasterCard

5.0

out of 5

- e-Platinum Plus Green Shopping Card and Cardonebanking Prepaid MasterCard Card Combo Offer: 2 cards - 1 application!
- No credit checks
- 0% APR Fixed Forever!
- Guaranteed Approval
- Credit line £5,000 (can be increased)
- No hidden bank charges and no overdraft fees
- Guaranteed bank account



Intro APR: N/A*
Intro Period: N/A
Representative APR: 0 (fixed) *
Annual Fee: N/A*
Issuer: Other Card Issuers
Card Network: MasterCard®
Card Category: Consumer (Shopping)
Card Type: - Card for Bad Credit
- Co-Branded Credit Card
- Guaranteed Approval
- Prepaid Debit Card
- Shopping Card
Credit Needed: Bad Credit OK*

It is difficult to argue against the convenience of credit cards. Indeed, they do make it easier and more secure to shop for the things you need. However it is also difficult to argue against their sometimes complicated rules, regulations, and rates. Many people in the United Kingdom who have credit do not fully understand how all of this works and as such are tired of dealing with the hassle. This is where E-Platinum Plus and CardOneBanking MasterCard come into play.

CardOneBanking MasterCard is an innovative online shopping network that provides access to exclusive products and services via the internet, when you use your CardOneBanking MasterCard credit card. When you use your card to shop through the exclusive affiliate mall, you get discounts on things that you could buy someplace else. This is beneficial both to you and to the companies who are affiliated with the program. Many credit card companies have adopted this program, but it is in addition to their traditional credit packages, which also come with the traditional stipulations.

However, what no other card can offer is a fixed rate of 0% forever. This is how the E-Plus Platinum program works. Instead of you paying the credit company to utilize their services, the affiliates pay e-Plus to market their businesses to you. This way, everybody wins! These companies don’t have to pay for huge marketing campaigns, and you save on products that you were going to buy anyway. You don't have to worry about interest rates, outrageous charges, limit fees, or anything else, really.

With this program, though, you also get access to a MasterCard, which you can use anywhere that MasterCard is accepted. There are a couple of catches, though. This card, like anything else that requires regular payments, does charge a minimal fee for missing a payment. There is also an inactivity fee which you can avoid by shopping periodically for things that you already buy. Neither of these fees is substantial, and considering that you aren't paying interest they aren't necessarily something that you should be concerned about, but it is important to be aware of them.

Other Benefits: * See Terms and Conditions of the card
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
Representative APR: 0 (fixed)*
Annual Fee: N/A*
Grace Period: None*
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: £10.00
Application Fee: £0.00
ATM Fee: £0.00
Additional Fees CardOneBanking Card (COB) Limits:
- Minimum amount of initial load £10.00
- Maximum initial load £1,250.00
- Maximum card balance £5,000
 
COB Account additional card - £5.00
COB Account monthly management fee - £12.50
COB Account opening fee (primary card) - £0.00
COB Balance enquiry and alerts - £0.15
COB Balance enquiry via website - Free
COB Direct payment (NatWest, BACS) - Free
COB Direct transfer via Post Office - £1.00
COB Foreign exchange fee (trans. value) - 2.75%
COB Foreign exchange fee Non-UK ATM - £3.00
COB Insufficient funds text message - £1.00
COB Lost/stolen block - Free
COB Non-UK point of sale transactions - Free
COB PIN issue/re-issue - Free
COB Re-activation fee - £5.00
COB Redemption fee Account closure - £10.00
COB UK point of sale & ATM transactions - Free
COB re-issue fee (per card) - £3.95
Credit Line Increase - FREE
Fee for Exceeding the Credit Limit - None
Fee for Paying Late - £5.00
Inactivity Fee - £9.95
Monthly Maintenance Fee - £99.95
One Time Membership Fee - £99.95
Returned ACH Debits and Credit Cards - £15.00
Returned Checks Fee - £15.00
Transaction Fee for Purchases - None
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† Information concerning the e-Platinum Plus with CardOneBanking MasterCard is confirmed to be accurate at the time of publication (Jan 4, 2012). We strive to keep this information updated but cannot guarantee its accuracy. Readers are strongly advised to go through appropriate terms and conditions attached to a product before submitting the application.




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