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Credit Card Companies AA The AA is the largest breakdown organisation in the UK, providing cover for millions of motorists. The AA also offers a range of financial services, including loans, insurance and credit cards, which come with a reward scheme, earning 1 reward point for every £1 you spend.Customers can use their points to save on AA products or even to get cashback. The first purchase yields bonus points and more reward points are earned when you purchase fuel. www.theaa.com Abbey Credit Cards Abbey National re-launched its business and brand in 2003, shortening its name to Abbey. In the following year it became part of the Santander Group, one of the most profitable banks in the world.It is today one of the UK’s leading personal financial companies, providing services including loans, mortgages, insurance, current accounts and credit cards, which come in several basic forms.There’s something for every type of user; for example, there’s a cashback card suitable for those that pay their balance off in full every month. http://www.abbey.com
Alliance & Leicester Credit cards
Alliance & Leicester can trace its origins trace as far back as 1852. In October 2008 Alliance & Leicester became part of the Santander Group, one of the largest banking groups in the world. Through its partnership with MBNA, Alliance & Leicester provides a range of credit cards to suit a variety of needs. www.alliance-leicester.co.uk American Express Credit Cards American Express is one of the most established and reputable names in the business, offering both credit cards and charge cards, and backing them up with its famous cashback and rewards schemes. Charge cards are similar to credit cards, except that the balance must be paid off in full each billing cycle. American Express began as a freight forwarding company over 150 years ago and soon began to offer financial services. Within five years of issuing its first charge card in 1958, American Express had issued over a million others. Today, American Express is a leading provider of credit cards and charge cards to consumers and businesses alike. The company also provides the American Express loan. www.AmericanExpress.com
Bank of Cyprus UK credit cards The Bank Of Cyprus Group was founded in 1899 and was originally known as the Nicosia Savings Bank - the first Cypriot banking institution. As part of the group, the Bank Of Cyprus UK was established in north London and currently has branches in London, Manchester and Birmingham. It also operates a Corporate Business Banking Centre, which caters for small and medium sized businesses. www.bankofcyprus.co.uk
Bank of Ireland credit cards
The Bank of Ireland has been trading for more than 220 years, making it one of the world’s longest established banks. It is a major provider of financial services in Ireland and Britain. Recently the UK operations were brought together as one unit – the Bank of Ireland UK Financial Services – offering bank accounts, mortgages and Bank of Ireland credit cards. www.bankofireland.co.uk Bank of Scotland Credit Cards As part of the Lloyds Banking Group, Bank of Scotland is able to offer its customers a wide range of financial products, including a range of credit cards. www.bankofscotlandhalifax.co.uk
Barclaycard Credit card First offered in 1966 by Barclays Bank, Barclaycard was the UK’s very first credit card and the first to offer internet banking to its customers.Today, Barclaycard is accepted at 22 million locations in more than 200 countries and can be used to withdraw cash from over 600,000 ATMs and banks across the globe. Barclays Bank is one of Europe’s biggest credit card issuers: it has 10.8 million customers in the UK and another 1.8 million internationally.Nationwide, one in every five credit cards is a Barclaycard, making it one of the UK’s most recognisable cards. www.barclaycard.co.uk Capital One Bank Credit Card
US company Capital One launched in the UK in 1996, and has around 50 million customers world-wide.
Capital One introduced the concept of the balance transfer in 1992, and is also known for identity theft and fraud protection services and for offering cards aimed at helping people with an adverse credit history to improve their credit rating. As well as a range of credit card products, Capital One also offers savings accounts. www.capitalone.co.uk Citi Credit Cards Citi was established in 1812 in New York and traces its UK history back 100 years, although it opened its first UK branch on the Strand in London in 1995. Citigroup Inc. provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking and insurance. www.citibank.co.uk
EGG Credit Card Egg was established in 1998 and is now the world’s largest pure online bank. It has been owned by Citigroup since May 2007. In the 2008 uSwitch Customer Satisfaction survey conducted by YouGov, Egg was voted best credit card provider in terms of online services, with 81% of users declaring themselves satisfied. www.egg.com First Direct Credit cards
first direct is a division of HSBC and was launched in 1989. first direct has 1.2 million customers, with 880,000 of them using internet banking and 360,000 taking advantage of SMS text message banking. www.firstdirect.com Halifax Credit Cards Halifax merged with the Bank of Scotland in september 2001 to form the Edinburgh-based HBOS (Halifax Bank of Scotland) Group. After the move, HBOS had 22 million customers. HBOS became part of the Lloyds Banking Group - the largest retail bank in the UK - in January 2009. www.halifax.co.uk
HSBC Credit Cards
HSBC is one of the most recognisable banking brands on the high street. Headquartered in London, HSBC is one of the largest banking and financial services organisations in the world. Their enormous international network comprises about 10,000 offices in 76 countries and boasts territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. The Group is named after its founding member, The Hong Kong and Shanghai Banking Corporation Limited, which was established in 1865 to finance the growing trade between China and Europe. HSBC provides a comprehensive range of financial services, offering consumers HSBC loans and credit cards among other things. www.hsbc.co.uk John Lewis Financial Services Credit cards
The John Lewis Partnership is one of the UK's top ten retail businesses with over 25 John Lewis department stores and more than 160 Waitrose supermarkets. It is also the country's largest example of worker co-ownership, as all 60,000 permanent staff are partners in the business. In an effort to stop customers going elsewhere for low cost finance, John Lewis has developed its own store credit card called Partnership. With a Partnership credit card, the more customers spend with it, the more partnership card points you’ll earn. Three times a year your points will be converted into partnership card vouchers and sent to you directly, to use however you please in any John Lewis or Waitrose shop or online at John Lewis Direct. http://www.partnershipcard.co.uk Lloyds TSB credit cards
Lloyds TSB Group plc was renamed Lloyds Banking Group on 19 January 2009, following a merger with HBOS. This makes Lloyds the the largest retail bank in the UK - with one in three people banking with the group. As with any major bank, Lloyds TSB offers a range of personal finance services, including credit cards. Whether you’re looking to collect AirMiles, transfer your balance or get a competitive purchase rate, Lloyds TSB has a card to suit your specific needs. www.lloydstsb.com Marks & Spencers Money Credit Cards With a reputation for quality, Marks & Spencer now boasts a vast range of financial services too. Like its competitors, Marks & Spencer’s credit card ‘&MORE’ currently offers customers incentives to join. These include receiving ‘&MORE’ points for every pound you spend on the card. Regular Marks & Spencer customers will be the ones who benefit the most from this card. www6.marksandspencer.com MBNA Europe Bank credit cards MBNA has 7 million customers in the UK - making it the UK's largest credit card provider. MBNA specialises in affinity credit cards, with nearly 900 MBNA Europe Bank credit cards affiliated with organisations including AOL UK, Manchester United Football Club, the UK branch of WWF and the Law Society in Ireland. MBNA also offers personal loan and insurance products. www.mbna.co.uk Mint Credit cards
Mint was launched in 2003, and is part of the Royal Bank of Scotland Group, one of Europe’s leading financial services groups. In recent years, the RBS Group has expanded to incorporate NatWest, Churchill, and Lombard Direct. Since the launch of its credit cards, Mint has also started offering a Mint personal loan. www.mint.co.uk Nationwide BS Credit cards
Nationwide is a mutual company, which means that it is owned and run for the benefit of its members, rather than having shareholders. It is the UK’s fourth largest mortgage lender, the largest building society in the world and has 150 years of experience as a building society. Nationwide has a strong history of involvement in community projects. Through sponsorship, fundraising and other activities, Nationwide supports hundreds of events and initiatives across the country each year. www.nationwide.co.uk Natwest Credit credits In 1968 National Provincial Bank (est.1833) and Westminster Bank (est.1836), merged to form the National Westminster Bank. It commenced trading on 1 January 1970. In March 2000, the Royal Bank of Scotland Group completed the acquisition of NatWest in a £21 billion deal that was the largest takeover in British banking history. They are now part of a financial services group that ranks fifth in the world. www.natwest.com Northern Bank (NI) Credit cards
Northern Bank is part of the Danish-based Danske Bank Group and is one of the leading retail banks in Northern Ireland. Northern Bank has 90 branches and three finance centres and personal customers can expect a full range of financial products and services, including the Northern Bank loan and credit car www.northernbank.co.uk Post Office® Credit Cards
Post Office Ltd is a wholly owned subsidiary of Royal Mail Group Ltd and operates under the Post Office brand, which is known and trusted up and down the UK. They offer a range of financial services including the Post Office MasterCard which is provided by Bank of Ireland. www.postoffice.co.uk Royal Bank of Scotland Credit Cards
The Royal Bank of Scotland was founded in Edinburgh in 1727. Since the 1920s it has developed, by acquisition, a major presence in England and a wide range of products and services including Royal Bank of Scotland loans and credit cards. Following the takeover of National Westminster Bank in 2000, the Group has continued to grow its business around the globe and has offices in Europe, the USA and Asia. By the end of 2002, it was the second largest bank in Europe. www.rbs.co.uk Sainsbury's Finance Credit Cards
Sainsbury’s was the first major British supermarket to open a bank, in February 1997 and now has around 1.5 million customers. Sainsbury’s Bank provides a range of products alongside credit cards, including insurance, savings and loans. www.sainsburysbank.co.uk Smile Credit Cards Smile, one of the pioneer online banks, is the only one where its conscience is its unique selling point. The Co-operative Bank, which launched Smile in 2000, refuses to invest in unethical companies such as organisations connected to arms dealing, human rights infringements, and companies with poor ecological records. www.smile.co.uk Tesco Personal Finance Credit Cards
Tesco Personal Finance is the UK's largest supermarket bank. Since its launch in 1997, it has won over 5.5 million customer accounts. As well as credit cards, Tesco Personal Finance also offers insurance, personal loans and savings accounts. www.TescoFinance.com The Co-operative Bank Credit Cards
With over three million customer accounts and a history that dates back to 1872, the Co-operative Bank boasts a huge range of competitive financial services. The Co-operative is also banker to local authorities, businesses and the retail co-operative movement. Amongst a vast number of credit card options, the Co-operative Bank also offers personal loans, insurance, current accounts and pensions. The bank has a pioneering Ethical Policy, which was introduced in 1992, which governs the types of businesses the Co-operative Bank will and will not offer services to. www.co-operativebank.co.uk Virgin Money Credit Cards
Virgin Money is the UKs fastest growing private company. The consumer-finances wing of Richard Branson’s business empire launched its first credit card in 2002, and now someone applies for a Virgin Credit Card every 43 seconds. As well as credit cards, Virgin offers a pre-paid card, alongside other financial products, including savings and investments, mortgages, loans and insurance. www.virginmoney.com
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