Credit Card Review & Application

Egg Visa Credit Card

Egg Visa Credit Card

4.5

out of 5

- Balance Transfers: 0% interest until 1 April 2012 on balances transferred before 1 May 2011 (3% fee applies).*
- Access to the Egg Cash Back Store with cash back offers and discounts from over 1,900 well-known online retailers including supermarkets, fashion and entertainment retailers, hotels and travel agents.**
- Purchases: 0% interest until 1 May 2011.*
- Plus insurances: included as standard to protect the things you buy - purchase protection and internet delivery guarantee insurance.***
- 17.9% APR representative variable



Intro APR: 0%*
Intro Period: up to 14 months
Representative APR: 17.90% (variable) *
Annual Fee: £0.00*
Issuer: Egg
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Instant Decision Card
- Reward Card
Credit Needed: Good*

If you are looking for a new credit card in the United Kingdom, you might want to consider an Egg Visa Credit Card. As a new member you will get all access to loads of special offers and incentives as well as the same incredible benefits that current card holders enjoy. From cash back incentive options and related offers to easy online access, this means a more enjoyable experience for you at the beginning of your account as well as over the course of time that you keep it open.

Immediatley, you will find that all new account holders can save money because of the new 0% interest features. For 14 months you can enjoy 0% on all balance transfers as well as 0% on all new purchases. Basically, if you open an account, all you have to do is stay away from cash advances and you will appreciate this very generous offer with little or no concern for unknown or hidden fees. While saving money is certainly a big bonus, the peace of mind you will get is as well.

0% balanace transfers are very important because it allows you to consolidate your debts onto one card. This reduces the amount of payments you have to make every month, as well as the amount of interest that is accrued. In the long run this will save you even more money than you think, since you no longer have to worry about covering your minimum payment and the interest charges.

Other incredible Egg Credit Card features include the ability to manage your accounts online through the Egg Money Manager. This means that you can track your expenses and balance your budget from anywhere in the world. You won't need to monitor your account as often, though, because each card comes with active fruad monitoring. This will give you even more peace of mind that your money is safe and will be there when you need it most.

Speaking of online access, their online application process makes it very easy to apply and be approved in just a few short minutes. With no paperwork to fill out and no mess to clean up, you will find the process very simple and quick. Of course, all of the information you need to stay ontop of your credit is available online too. You can research your benefits and features, as well as other Egg products that you might consider using in the future.

Reward Types: - Cash Back Reward Cards
- Merchandise Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - Up to 10% cash back at selected retailers (including: 0800flowers, 7digital, truprint, lastminute.com, etc.)
- Up to 25% discounts off with selected retailers (including: Virgin Wines, Holiday Autos, Holiday Extras, Joe Brown, etc.)
- Egg Insurance savings
- Access to the Egg Cash Back Store with cash back offers from over 1,500 well-known online retailers including supermarkets, fashion and entertainment retailers, hotels and travel agents.
Other Benefits: - Complimentary purchase protection
- Internet delivery guarantee insurances
- Online Account Management
- Internet Fraud Guarantee
- Fraud Monitoring
- Verified by Visa
- Purchase In-Transit Insurance
- Travel Accident Insurance
- 24 hour online account management
Comments: Representative example
If you use your card to make a purchase of £1200.00 and then repay that purchase in 12 equal monthly repayments you would pay interest of £110.72 if you pay 17.9% based on the annual variable interest rate which currently applies to purchases and assuming that the interest rate remains the same during this period. 17.9% APR representative variable.

What You Will Need Before Applying
- Your bank details to set up a Direct Debit
- Your employer's postcode and address
- Your net and gross salary details
- Your address history for the last 2 years including postcode(s)

Your repayments will be applied to the highest rate balance first. Where introductory rates apply to balance transfers and purchases, your repayments will be applied to balance transfers first.

** The Egg Cash Back Store is powered by Quidco. Egg Cash Back Store cash back offers are obtained from a third party website and are subject to Quidco's terms and conditions.

*** Purchase protection and internet delivery guarantee cover are arranged by International SOS Insurance Services. Full terms and conditions apply.
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: up to 14 months*
Representative APR: 17.90% (variable)*
Annual Fee: £0.00*
Grace Period: 45 days*
Min Credit Line: £500
Late Payment Fee: £16.00*
Over Limit Fee: £16.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Minimum Fee: £5.00
APR Cash Advances: 23.90%
Cash Advance Fee: 3.00%
Minimum Fee: £5.00
Additional Fees - Non Sterling Transactions: 2.95%
- Top up fee: Where the amount of interest charged to your Account on any statement is less than 50p, the top up fee will be the amount required to make the top up fee plus interest equal to 50p
- Intro rate balance transfers: 3% handling fee
- Paper copies of statements: £2.00
- Returned payment fee: £16.00
 


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† Information concerning the Egg Visa Credit Card is confirmed to be accurate at the time of publication (Mar 9, 2011). 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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