Mbna.com credit card. Mbna master card

Mbna.com credit cards typical rate 15.9% APR promotional rate: 0% p.a. on card purchases for three months from account opening, 0% p.a. on balance transfers and credit card cheques for twelve months from account opening provided you operate your account within the terms and conditions.
15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques, and 27.9% p.a. (variable) on cash transactions (including money transfers).
Interest free period up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
In Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers) they will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. The earlier you make payment, the less interest you will have to pay.
They will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, they will use your payments to reduce the balance with the longer promotional period first.
If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; if is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit: We will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The maximum credit limit that you can have is £50,000. the annual fee is £0
3% handling fee (min.£3) on: credit card cheques and balance transfers.
3% handling fee (min.£3) on: cash transactions (including money transfers).
2.75% commission on foreign currency transactions.
You will be charged £12 for going overlimit, making late payments and for returned payments.

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