Credit Card Review & Application

UNICEF Credit Card

UNICEF Credit Card

4.5

out of 5

- UNICEF 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
- 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 still a popular thing to do, despite this tough economic time. Though many people are facing tough financial decisions, they have still realized that even now it is still important to give all that you are able to give to those who are less fortunate. The United Nations Children's Fund is a popular charity because they are the only global organization that is focused specifically on children and children's rights all over the world. They work with the local communities and the governments of 158 countries in order to help children to reach their full potential through involvement with long term programs while also providing programs in healthcare, education, and safety.

With the UNICEF Credit Card, your everyday purchases will generate small contributions that will go towards funding for this noble cause. For instance, UNICEF will automatically receive £4 when you use your card in the first 90 days. One simple purchase is all it will take for you to be a part of making a big difference. After this, they will also receive 25p for every £100 that you spend on regular purchases. As you can see, you do not have to donate your own money or time to be a part of such a noble pursuit.

Now, since this charitable program somewhat takes the place of a traditional user incentive reward program, MBNA Europe Bank Limited is offering cardholders attractive features as well. Otherwise, how could they compete with some of the more lucrative offers that are offered by competing credit card companies? You do not have to worry, though, because If you take out this card, you could potentially enjoy an introductory rate as low as 0% on balance transfers and money transfers for the first 3 months. This rate might also apply to standard purchases for the first year, saving you even more money!

On top of all this, you might also appreciate to know that the typical variable rate is competitive. While transfer activity does accrue a small handling fee, the lack of an annual fee might balance it out. Small conveniences, though, like paperless statements and a 50 day interest free grace period also make a big difference. When you can easily check your account online on your own time and take your time to pay off your new balances, you will appreciate everything little thing that this card has to offer.

Other Benefits: - Online related services
- Fraud Protection
- Paperless Statements
- Free 24 hour UK based customer service helpline
* 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: Yes
Transfer Fee (%): 3.00%
Minimum Fee: £3.00
APR Cash Advances: 27.90%
Cash Advance Fee: 3.00%
Minimum Fee: £3.00
Additional Fees Foreign currency commission fee: 2.99%
 


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† Information concerning the UNICEF 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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