House of Fraser Recognition MasterCard
From Santander
Summary
House of Fraser Recognition MasterCard is provided by Santander.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes House of Fraser Recognition MasterCard a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes House of Fraser Recognition MasterCard a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the House of Fraser Recognition MasterCard
Balance transfer
Purchases
Fixed payment
By switching to the House of Fraser Recognition MasterCard, 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 10 years and 4 months to repay, costing you a total of £1,581 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 9 months 66 cards better than this
Balance transfer fee
Purchases
Not available
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
2.99%
Balance transfer limit
Unknown
Cash advance rate
28.4%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 72 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
£4,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
56 days
Minimum payment
4% of balance or £4
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Recognition Points Programme: 3 Recognition Points for every £1 spent with House of Fraser (in-store or online) 1 Recognition Point for every £1 spent elsewhere 2000 Recognition points equates to a £20 Reward Voucher, plus a £10 voucher for every additional 1000 points saved Unused points will expire after 12 months Vouchers are valid for 3 months.
Better deals on balance transfers
Better deals on purchases
