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General Motors Credit Card
General Motors Credit Card
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Interest Rate 14.9% APR variable* |
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0% per annum on purchases and balance transfers fixed for five months from account opening (no fee will be charged during your five month introductory period). |
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The reward rate is high at 3%, which means a total of £3 back for every £100 spent. |
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Once you are accepted for The GM Card, and use it for the first time, 100 Rebate Points will be credited to your account. |
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No Annual Fee |
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Card Features
Interest free period
Up to 56 days for purchases when you pay your balance in full every month by the due date. There is no interest-free period for Balance Transfers or Cash Advances.
Interest Charging Information
Purchases - if you don't pay the statement balance in full by the due date shown overleaf we will charge interest on each transaction, from the date the transaction is charged to your account until it is paid in full. Cash Advances and Balance Transfers- interest is always charged from the date of each transaction until paid in full.
Application of payments
If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to default and other charges, fees, interest and then Balance Transfers, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate.
Minimum repayment
Minimum monthly repayments of £5 or 2% of the balance (whichever is greater).
Fees
No annual fee.
Charges
2.5% handling fee (minimum £3.00) of the amount of each Cash Advance (includes cash withdrawals and purchases of foreign currency and travellers cheques), we will charge a fee of 2% of the amount of each Balance Transfer (min £5), 2.75% administration charge on non-sterling transactions, a fee £5 to stop a cheque, first statement date change is free, subsequent changes £10, copy vouchers £5 and copy statement £5.
Default Charges
£12 if you exceed your credit limit.
£12 if you pay late.
£12 if a cheque for a Balance Transfer is returned unpaid.
£12 if any payment is returned unpaid.
£12 if we serve a Default Notice.
Review Date: 30/08/2006
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
Apply Online
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