Alliance and Leicester are part of the Santander group, one of the world’s largest banks, and for this reason Alliance & Leicester Credit Cards are in actual fact Santander Credit Cards.
Santander Credit Card
The Santander Credit Card offers money-saving benefits and the following advantages:
- 0% for 15 months on balance transfers from account opening
- 0% for 3 months on all your purchases from account opening
- No annual fee
- Up to 56 days interest free credit
Santander Zero Credit Card
The Santander Zero Credit Card is the only credit card in the UK that doesn’t charge you usage fees when you use it. Advantages include:
- 0% foreign exchange fee
- 0% cash advance fee
- 0% for 3 months on purchases from date of account opening
- 0% for 12 months on balance transfers from date of account opening (3% balance transfer fee applies)
Benefits
One of the benefits of picking up on of these cards is that you can transfer your balance from another credit card. This will act similarly to a consolidation, so you will not have to worry about paying off multiple credit cards. You will also save on interest payments when you do this, which is a great feature to have access to. You can even consolidate with a store credit card, so literally all of your credit card payments can be consolidated into one. You also do not have to cancel your other cards, as they will not be carrying a balance, so the choice is up to you.
Alliance and Leicester Credit Cards have a number of different repayment options for you to consider, which you can definitely take advantage of. For example, if you make the minimum payment every month, your credit rating will improve. In addition, you will not have to pay any interest if you pay off your entire balance each and every month. These payments can now be made online, which makes them much faster and simpler. In the end, all of these new features that Alliance and Leicester Credit Cards has to offer are a great thing for the card user.
Security Features
There are a number of different security issues that have been taken care of by Alliance and Leicester Credit Cards. These features include chip and PIN technology, online fraud protection, and protection against unauthorized usage by anyone. This definitely comes in handy should the unforeseen happen because the last thing you want is for someone to ruin your credit by going on a shopping spree. You will be reimbursed for any of these charges, which will ensure that you do not end up paying for something that you did not purchase.
Applying for an Alliance and Leicester Credit Card
The actual Alliance & Leicester Credit Card that you end up with will be dependent on the amount of money that you make per year, along with your past credit history. The popularity of the internet has made it possible for people to apply online, which makes the entire application process much easier. If you have a bank account with Alliance and Leicester, the process will be even easier, as they will already have much of your financial information. Getting a credit card through a larger company can be a good idea because it means that you will have more support should something go wrong.