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Sony Credit Card

This is what Sony's website states 'Sony offers you a complete world of entertainment through music, movies, games and of course electronics. Now the SonyCard can offer you all these in exchange for Pulsebeats* earned when you spend using your SonyCard.

Not only is your new SonyCard packed with benefits, but thanks to the great interest rates you'll be only too happy to use it all the time. Which is just perfect, because the more you use it the more Pulsebeats you'll earn, and the more you earn, the more Sony you'll get.'

These are the benefits as I see it:-
An outstanding introductory balance transfer rate of just 0% p.a. - available for twelve months from the date your account is opened. 2% handling fee applies.

A fantastic 0% p.a. on card purchases for three months from the date your account is opened.

4000 FREE SonyCard Pulsebeats when you first use your SonyCard That's enough to claim a free CD Walkman, up to two free DVDs or a PlayStation2 game!!!

Manage your account online - view your balance, credit limit and your last six months' transaction history online, all from the comfort of your home.

Earn Pulsebeats every time you spend using your SonyCard - click on the Pulse Programme link above for details.

Claim TRIPLE Pulsebeats - when you buy Sony products using your SonyCard.

As a SonyCard Customer we'll keep you up to date with what's new in the world of Sony Entertainment - and you'll also be able to enter Dream Draws giving you access to exclusive Sony offers.

More notes:-

Interest free period:
Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.

Interest charging information:
Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.

Allocation of payments:
Balances at lower rates of interest will be paid before balances at higher rates of interest. This means that if you have made a transaction at a promotional rate after your last statement date but before the date we receive your payment, we may pay that transaction off first.

Monthly minimum payment:
The lesser of:2.25% of your balance (minimum 5) or charges for Payment Protection Cover plus interest and fees plus 5 or the balance, if this is less than 5.

Credit limit:
We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is 50,000.

Annual fee:

Other charges:
2% handling fee (min.3) on: credit card cheques and balance transfers.3% handling fee (min.3) on: cash transactions (including money transfers).2.75% commission on foreign currency transactions.

Default charges:
12 for going overlimit, making late payments and for returned payments.