Smile Classic Visa (Current Account holders)
From Co-operative Bank
Summary
Smile Classic Visa Card (Current Account holders) is provided by Co-operative Bank.
The representative APR is 16.9%APR variable.
The representative APR is 16.9%APR variable.
How long will it take to repay with the Smile Classic Visa (Current Account holders)
Fixed payment
By switching to the Smile Classic Visa (Current Account holders), 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 23 years and 6 months to repay, costing you a total of £2,583 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
Not available
Balance transfer fee
Not available
Purchases
Not available
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 98 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
£0.00
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
Better deals on balance transfers
Better deals on purchases
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