BOS All in One Card
From Bank of Scotland
Summary
BOS All in One Card is provided by Bank of Scotland.
The representative APR is 15.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 10 months and an introductory purchase rate of 0% for 10 months.
This makes BOS All in One Card a great option for people looking to transfer an existing credit card balance whilst using the card for purchases, within the promotional period.
The representative APR is 15.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 10 months and an introductory purchase rate of 0% for 10 months.
This makes BOS All in One Card a great option for people looking to transfer an existing credit card balance whilst using the card for purchases, within the promotional period.
How long will it take to repay with the BOS All in One Card
Balance transfer
Purchases
Fixed payment
By switching to the BOS All in One Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take to repay, costing you a total of £84,960 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Customer reviews (1)
"Guest review for BOS All in One Card"
I held an BOS credit some 4years ago but every time I tried to use it abroad BOS refused it despite it having been used for booking relevant airline or ferry tickets. I cancelled and destroyed it in exasperation. In 2008 I tried again to see whether the service was any better. I requested a one year only insurance for loss. BOS gave the credit card details to the insuring company but also gave them my debit card details without authorisation! Later, a second year's insurance was charged to my account,again without authorisation (but it was in the small print which I had not read because I had specified only one year). I have just tried to use the card again but it has been refused! So goodbye BOS for ever.
Rates & Charges
Introductory rates
Balance transfers
0% for 10 months 56 cards better than this
Balance transfer fee
3% or £3 minimum 110 cards better than this
Purchases
0% for 10 months 10 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
3% or £3 minimum
Balance transfer limit
Unknown
Cash advance rate
27.9%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 110 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£0.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
59 days
Interest-free period on cash advances
None
Time to make payment after statement date
25 days
Minimum payment
1% of balance or £5
Payment by direct debit
Available
Rewards
Not available
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Better deals on purchases
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