Bank of Scotland Ireland Credit Card

CCOVICH said:

Seem like a good offer, but as always, check the terms and conditions (when they are available) for any additional charges over and above existing offers. ....

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1.9 We will send you a monthly statement, unless there have been no payments into or out of the account during that period and the balance is less than €2. Each month, you must repay at least 3% of the amount you owe us, or €10, whichever is more. If the amount you owe is less than €10, you must pay the full amount. Your statement will show the minimum you must pay and the Payment Date.


2.1 We will not charge interest on Purchases shown on your current statement for up to 56 days from the date of the Purchase, if you pay the total balance shown on that statement by the Payment Date (and have also paid the total balance on the previous statement by the Payment Date). Where we do charge interest on Purchases, we charge it from the date of the Transaction. We will always charge you interest on Cash Advances from the date of the Transaction and for Balance Transfers and all other amounts from the date we first charge the amount to your account.
2.2 If you do not pay the total balance shown on your statement by the Payment Date, then the interest free period set out in condition 2.1 will be deemed to have been waived. In such an event, we will add the interest we have charged on the unpaid amount to the balance we charge interest on, at the date of the next statement.
2.1 We will not charge interest on Purchases shown on your current statement for up to 56 days from the date of the Purchase, if you pay the total balance shown on that statement by the Payment Date (and have also paid the total balance on the previous statement by the Payment Date). Where we do charge interest on Purchases, we charge it from the date of the Transaction. We will always charge you interest on Cash Advances from the date of the Transaction and for Balance Transfers and all other amounts from the date we first charge the amount to your account.
2.2 If you do not pay the total balance shown on your statement by the Payment Date, then the interest free period set out in condition 2.1 will be deemed to have been waived. In such an event, we will add the interest we have charged on the unpaid amount to the balance we charge interest on, at the date of the next statement.
2.1 We will not charge interest on Purchases shown on your current statement for up to 56 days from the date of the Purchase, if you pay the total balance shown on that statement by the Payment Date (and have also paid the total balance on the previous statement by the Payment Date). Where we do charge interest on Purchases, we charge it from the date of the Transaction. We will always charge you interest on Cash Advances from the date of the Transaction and for Balance Transfers and all other amounts from the date we first charge the amount to your account.

2.2 If you do not pay the total balance shown on your statement by the Payment Date, then the interest free period set out in condition 2.1 will be deemed to have been waived. In such an event, we will add the interest we have charged on the unpaid amount to the balance we charge interest on, at the date of the next statement.


3.1 We will charge:
(a) €7 each time you do not make a minimum payment by the Payment Date;
(b) €7 if your account balance is over your credit limit on a statement date;
(c) €7 each time a direct debit or other item is not paid.
3.2 We will charge handling fees for Cash Advances and a fee for Transactions in a currency other than Euro, all of which are shown in condition 4.

4.1 We make a handling charge of 1.5% (at least €1.90) for Cash Advances. We may also limit the amount (a) you can take out as a Cash Advance; or (b) you can make as a Balance Transfer, to a percentage of your overall credit limit. Any changes to these limits will be notified to you at least 10 days before the change takes effect.
4.2 If you make a Transaction in a currency other than Euro, we will change the amount to Euro at the exchange rate used by the Payment System. We will charge 1.75% of the value of each foreign-currency Transaction. The Euro amount shown on your statement will include this charge. If the transaction is a Cash Advance we also charge the Cash Advance handling charge shown above.
4.3 We may change any of the charges listed in condition 3.1 or this condition 4 and introduce new charges at any time by giving you notice under condition 9.

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Garrettod said:

Here you go

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A very quick glance reveals the following:

9.5% APR after 6 months (11.2% for cash advances, taking account of cash withdrawl fees)

Zero % on both purchases & balance transfers for the first 6 months



Full terms & conditons here:

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Cheers

G>
http://www.rpoints.com/newbie

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