Accucard Credit Card Review

Accucard is a trading name of Create Services, which is a representative of Lloyds TSB. With that you know that you are holding a credit card from a renowned UK financial institution.

This type of credit card is a very unique idea which offers users the ability to design the credit card to suit your own personal needs. You can choose to pay and annual fee, choose what interest rate that you would like and adjust the cash back option too. However, you don't get it all your own way! There is no option to pay 0% apr, maximum cash back and no annual fee. If you choose to pay an annual fee then you will receive a better apr or cash back rate. if you don't want cash back then you will may not have to pay an annual fee or you will get a better apr and so on.

There is a handy tool at Accucard's site that allows you to adjust the options to tailor the card for you and find the best combination. Everyone is different so have a look and try to compare the options, maybe there are better deals at Creditcards121. Other similar offers are the Scottish Widows, More Than and also Create from Lloyds.

With this type of credit card you should be made aware of the fact that you are only allowed 3 changes to either the interest rate, cash back or annual fee in any one year. If you wish to change the credit card functions more than 3 times then a fee will be applied to your account.

Choose your own apr, cash back and annual fee to suit your lifestyle
0% balance transfers for 6 months
Up to 0.5% cash back
13.9% typical APR variable
Change your rates up to 3 times per year
Free travel accident insurance
Free purchase protection
Up to 51 days interest free period
Different card designs to choose from

Accucard are the original providers of the "create your own" credit card where you can choose your own card features. The standard apr is the cheapest of these card types and the option of being able to alter your rates to suit your circumstances is an appealing factor.

The Accucard offer has now been withdrawn, other similar offers would include Scottish Widows and Create from Lloyds

Accucard Credit Card Summary Box

Card Type	Mastercard
Introductory Balance Transfers	0% for 6 months
Introductory Purchases	No
Annual Fee	£0 to £10
Cash Back Scheme	0% to 0.5%
Reward Scheme	No
Typical apr variable (purchases)	13.9%
Monthly apr (purchases)	0.817% to 1.525%
Typical apr variable (cash advance)	13.9%
Monthly apr (cash advance)	0.817% to 1.525%
Cash advance fee	2% (min £2)
Minimum Payment	2% (min £5)
Max Interest Free Period	51 days
Credit Amount	Minimum £500
Charges	Foreign Use 2.75% Duplicate Statement £5 Late/Failure to pay charge £20 Returned payment charge £20 Over limit charge £20

You can apply directly at Accucard