Help the Aged Standard Visa
From Co-operative Bank
Summary
Help the Aged Standard Visa is provided by Co-operative Bank.
The representative APR is 18.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 6 months and an introductory purchase rate of 0% for 6 months.
This makes Help the Aged Standard Visa a great option for people looking to transfer an existing credit card balance whilst using the card for purchases, within the promotional period.
- Help The Aged receives £15 for every account opened.
- A further £2.50 is received if your account is used within six months.
- Plus 25p for every £100 you spend using the card and 25p for every £100 you transfer to the card.
- If 100 supporters each spent £1,000 on their credit cards, Help the Aged would receive £250 - with hardly any effort and at no extra cost to the supporters.
- Plus you’ll benefit from a 5% discount on a wide range of holidays purchased through the Co-operative Travel with your Co-operative Bank credit card.
The representative APR is 18.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 6 months and an introductory purchase rate of 0% for 6 months.
This makes Help the Aged Standard Visa 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 Help the Aged Standard Visa
Balance transfer
Purchases
Fixed payment
By switching to the Help the Aged Standard Visa , 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 28 years and 7 months to repay, costing you a total of £3,192 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!
Rates & Charges
Introductory rates
Balance transfers
0% for 6 months 88 cards better than this
Balance transfer fee
Purchases
0% for 6 months 22 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
Unknown
Balance transfer limit
Unknown
Cash advance rate
25.9%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 112 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 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
£10,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
46 days
Interest-free period on cash advances
None
Time to make payment after statement date
46 days
Minimum payment
2% of balance or £5
Payment by direct debit
Available
Rewards
Not available
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