Credit Card Review & Application

DogsTrust Credit Card

DogsTrust Credit Card

4.5

out of 5

- Dogs Trust will receive £4 when you use your card within 90 days of the account opening
- They will also receive 25p for every £100 you spend on card purchases
- And £2.00 for every year you continue to use the card
- 0% on balance transfers for 12 months (3% handling fee)
- 0% on card purchases for 3 months
- No Annual Fee
- Representative 16.9% APR (variable)



Intro APR: 0%*
Intro Period: 12 months on BT
Representative APR: 16.90% (variable) *
Annual Fee: £0.00*
Issuer: MBNA Europe
Card Network: MasterCard®
Card Category: Consumer (Regular)
Card Type: - Charity Card
- Co-Branded Credit Card
Credit Needed: Good*

Philanthropy is more than just a big, fancy word for charity. In fact, it is an activity and a frame of mind that is perhaps more common now than ever before. Even in this difficult time, people want to find ways to give back to their community, city, state, or even their country. Since money is tight for many families, the Dogs Trust Credit Card might be able to help you with a unique way to combine your spending habits and credit card rewards in a way that benefits both you and a good cause. If you live in the United Kingdom and are fond of man's best friend, this could be the right credit card for you.

Each and every year, many dogs are abandoned in the United Kingdom, whether left to fend for themselves or given to shelters. That is where Dogs Trust comes in. When you use your credit card for the first time, they will automatically receive a £20 donation. Then, every time you spend £100, they will receive another 25p. Just by buying the same things you bought last year, you will be helping a notable charity this year! For every year that you keep your account open, Dogs Trust will receive yet another £2. That means that you hardly have to do any work at all and you will still be able to be a part of this charitable process.

Of course, it would be very difficult for anyone to take out this card if it did not also benefit them personally. This is perfectly understandable. Thankfully, MBNA Europe Bank Limited knows this and they are providing several low introductory rates to attract your business. First of all, you can take advantage of rates as low as 0% on standard purchases for the first 3 months as well as both balance and account transfers for the first 12 months. This could save you a lot of money by helping you to consolidate higher rate balances to one more convenient low rate.

While there are a few minor handling fees for cash withdrawals and transfer activities, this card can also save you both money and time in the form of paperless statements. By using fewer resources, MBNA doesn't have to recoup losses, plus you are contributing to conservation as well as abandoned dogs! You will also save money because this card does not have an annual fee and it features the standard MBNA 50 days free of interest.

Other Benefits: - Online related services
- Fraud Protection
- Paperless Statements
* See Terms and Conditions for more benefits
Comments: Acceptance Criteria: You are currently employed, over 23 years of age, a homeowner, have an income of over £20,000, do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit, and are a resident in the UK and can prove residential addresses for the past two years
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 12 months on BT*
Representative APR: 16.90% (variable)*
Annual Fee: £0.00*
Grace Period: 50 days*
Min Finance Charge: £1.00
Min Credit Line: £300
Late Payment Fee: £12.00*
Over Limit Fee: £12.00
Balance Transfer: No
Transfer Fee (%): 3.00%
Minimum Fee: £3.00
APR Cash Advances: 27.90%
Cash Advance Fee: 3.00%
Minimum Fee: £3.00
 


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† Information concerning the DogsTrust Credit Card is confirmed to be accurate at the time of publication (Feb 2, 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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