Capital One Classic Visa Card

If you have an adverse credit history, they are more likely to offer you a card than most other issuers. The Capital One Classic Visa gives you all the flexibility of a credit card while helping you build or strengthen your credit rating. The APR is 34.9% APR typical variable.

Credit Cards

Capital One Classic Visa Card Details

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Provided By Capital One

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for the Capital One Classic Visa Card

You will be transfered to the official Capital One website, www.capitalone.co.uk.

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Capital One Classic Visa Card Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Type of Card	Visa	This item is only available as a Visa card
Instant Online Decision	yes	An instant online response is available to applicants.
Application Criteria:
Minimum Age	18 years	Minimum age for applicants is18 years.
Minimum Income	£10,000	A minimum income of £10000 is required.
Standard Rates:
Typical APR	34.9%	The APR is 34.9% p.a. typical variable.
Cash Advance Rate	34.9%	The annual interest rate for cash advances is 34.9%.
Benefits:
Maximum Credit Limit	£1,500	The maximum credit limit available is up to £1500. Credit limit assigned according to status.
Cashback & Rewards Credit Card	no	no
Cashback Reward	no	A cashback reward scheme is not available.
Reward Points	no	No points scheme available.
Air Miles	no	No travel reward programme available.
Shopping Rewards	no	No shopping reward program available.
Payment Protection	yes	In the event of the cardholder being unable to work through accident or sickness for 30 consecutive days, the account will be credited with 10% of the...expand In the event of the cardholder being unable to work through accident or sickness for 30 consecutive days, the account will be credited with 10% of the balance outstanding on the last statement date before they were unable to work (up to a maximum of £1,000). This sum will continue to be credited monthly to the account until the sickness or unemployment ends, 12 monthly payments have been made or either the outstanding balance or credit limit have been paid in full, whichever comes first. If the cardholder dies or are diagnosed with a critical illness, the outstanding balance on the card (up to the credit limit or a maximum of £25,000) will be paid off. The applicant must be aged between 18 and 64, working for at least 6 consecutive months before the start of the insurance and must be resident in the United Kingdom. When they reach the age of 65 or retire the cover automatically changes to death (accidental death after 65), permanent and total disability (due to an accident) and hospitalisation (due to an accident).collapse
Travel Insurance Cover	£0	There is no travel insurance limit.
Lost Luggage Cover	no	Lost luggage cover is not available.
Fees & Charges:
Annual Fee	£0	There is no annual fee.
Interest Free Period	56 days	Up to 56 days interest free period.
International Charges	2.75%	Transactions made in foreign currencies within Europe are charged a 2.75% fee.
Minimum Repayment %	1%	The minimum monthly payment will be the full outstanding balance if less than £5, but other wise the greater of: an amount equal to the total of...expand The minimum monthly payment will be the full outstanding balance if less than £5, but other wise the greater of: an amount equal to the total of 1% of the outstanding balance on account or interest applied to account in that month or all default sums incurred that month and one twelfth of annual fee or £5.collapse
Minimum Repayment £	£5	The minimum monthly payment will be the full outstanding balance if less than £5, but other wise the greater of: an amount equal to the total of...expand The minimum monthly payment will be the full outstanding balance if less than £5, but other wise the greater of: an amount equal to the total of 1% of the outstanding balance on account or interest applied to account in that month or all default sums incurred that month and one twelfth of annual fee or £5.collapse
Late Payment Charge	£12	A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due.
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Feature / Benefit	Details	Rating out of 5
Application Criteria:
Existing Customers Only	no	no
Minimum Age	18 years	Minimum age for applicants is18 years.
Minimum Income	£10,000	A minimum income of £10000 is required.
Credit Rating	poor	Most suited to individuals who have a history of credit defaults, arrears, CCJs or missed payments. Credit cards designed for those with a poor credit rating tend to have a very low credit limit and are designed to be used for credit repair.
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