Leeds Building Society Credit Card

Credit Card

Spread the cost...

  • 0% on all purchases for 6 months
  • 0.5% cashback on all your purcahses
  • 5.9% p.a. on balance transfers fixed for the life of the balance (2% handling fee applies)
  • Typical 17.9% APR (variable)
  • No Annual Fee
  • Online access to your account - Register now
  • Guaranteed to guard against internet fraud
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View the Cashback Terms and Conditions
View the Balance Transfer Terms and Conditions

Summary Box
It’s good to know the plain facts about this Leeds Building Society Credit Card. This Summary Box gives you clear information about the key features of your card.
APR Typical 17.9% APR (variable)
Other Rates Introductory Rates
Monthly Interest rate
Annual Interest rate
Purchases 0% p.a. for 6 months from account opening
1.385%
17.9%
Cash Withdrawals N/A
1.805%
23.9%
Balance Transfers 5.9% p.a. fixed for the life of the balance with a 2% handling fee for 60 days from account opening.
1.385%
17.9%
Interest free period
  • Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month
  • No interest free period on balance transfers, cash withdrawals or Barclaycard cheques
  • This is subject to any interest free promotional offer
Interest charging information

If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.

As interest is charged until the date of full repayment, this means that you may receive a further interest charge the following month, even though you have paid your current statement balance in full.

Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.
Allocation of payments Payments you make will reduce your balance in the following order:
  1. Default Charges and interest on Default Charges
  2. Promotional balance transfers and fees
  3. Promotional purchases
  4. Interest, fees and charges
  5. Standard rate purchases and balance transfers
  6. Cash balance

Please see the Barclaycard conditions for further details.
Minimum repayment 2% or £5, whichever is greater.
If you only make the minimum payment it will take longer and cost you more to clear your balance.
Amount of Credit

Minimum credit limit: £250
Maximum credit limit: Subject to status.
Fees No annual fee.
Charges
Cash withdrawals 2.5% (min £2.50)
Balance transfers 3% (unless we tell you otherwise)
Overseas transactions 2.75%
Copies of statements £3.00
Copies of Transactions £5.00
Default charges
Late payment fee £12
Over credit limit fee £12
Returned payment £12

You can avoid additional charges. Please stay within your credit limit and ensure that your payments are received on time.

Pay less interest by repaying more each month

The examples below show how long it would take you to repay a purchase of £1,000 made with your Leeds Building Society Credit Card:

Monthly Payment Minimum payment each month £50 each month £100 each month
How much interest will be charged in the first year?
£73.92
£53.81
£22.32
How much interest will be charged in the first year?
£139.86
£42.70
None
How long would it take to clear a balance?
25 years 3 months
2 years
1 year 1 month

The following assumptions have been made:

  • You are charged the standard 17.9%. However, the examples take account of any introductory promotional purchase rate.
  • When you make the purchase you do not exceed your credit limit.
  • Calculation excludes Payment Protection Insurance.
  • £1,000 purchase is debited to your account on 1st November 2009 and no further transaction made.
  • You make a payment each month on the payment due date. Your minimum payment is 2% or £5, whichever is greater.
Apply Online

 

Leeds Building Society Cards are issued by Barclays Bank PLC. Registered in England. Registered Number: 1026167. Registered office of Barclays Bank PLC, 1 Churchill Place, London, E14 5HP. Address for correspondence: Leeds Building Society, Barclaycard House, PO Box 5592, Northampton, NN4 1ZY.

Cancellation rights
You have a right to cancel this Agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton, NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.

© Leeds Building Society