Advantages: Useful Budgeting Tool, Widely Accepted Disadvantages: Very High APR
...The Universa Credit Card was the first card I applied for, and I chose it for a number of reasons. Firstly, I was just turned 18 and so had no credit history, so needed some way to build it up. Secondly, it's a MasterCard, so it's widely accepted and thirdly it's issued by Style Financial Services Ltd., an offshoot of the Royal Bank of Scotland, so I knew they were trustworthy.
The Universa MasterCard is a credit card designed for people with either a "sub-prime" or below average credit history. This is seen in both the credit limit and the APR. When I had mine (which I've now closed) the APR was roughly 25%, which is below that of the likes of Capital One but far higher than your average card (for example, the Abbey flat rate card has 10.9% for everything, with no extra charges for drawing from the hole-in-the-wall or writing cheques...
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Ciao members have rated this review on average helpful
Advantages: looks at applictions individually, internet options, variety of cards Disadvantages: Can start with high APR
...5281
Nottingham
NG2 3YG.
General Correspondence:
Capital One Card Services
PO Box 5283
Nottingham
NG2 3YJ
UK Operations Centre
Capital One Holdings Ltd.
Trent House,
Station St,
Nottingham NG2 3HX
US headquarters
2980 Fairview Park Drive
Suite 1300
Falls Church Virginia 22042.
U.S.A
MEDIA RELATIONS CONTACT: ukmediarelations@capitalone.com...
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Ciao members have rated this review on average helpful
I have recently stayed here and i have to say that it was very enjoyable.
It is quite central and myself and two friends could easily walk to the local bars and restaurants. The rooms were very clean and well designed. I stayed in a room by myself with... more