Central Capital Ltd

Advantages: .......... .......... .......... .......... .......... .......... .......... ..........
Disadvantages: .......... .......... .......... .......... .......... .......... .......... ..........

...... Read review

Ciao members have rated this review on average somewhat helpful

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... Read review

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... Read review

Ciao members have rated this review on average helpful