Alliance and Leicester Credit Card

One of the most popular financial institutions in the UK is Alliance and Leicester and was established in 1985. It was formerly one of the biggest banks in the UK; this was before it was acquired by Santander UK. When Alliance Building Society and Leicester Building Society merged, they formed Alliance and Leicester. it is now operated under Santander, offering customers all kinds of financial services like lending and investment, commercial banking, treasury and personal banking. On the personal banking side, one of their biggest earners is their credit services. An Alliance and Leicester card, also known as a Santander card, offers flexible rates and offers to card holders.
There are basically two types of Alliance and Leicester credit cards. The first one is called the Regular credit card. The regular card is just like any other credit card in the market. But what sets its apart is that is doesn't have an annual fee and it offers 0% interest on several transactions. Two worth mentioning is its 0% fee rate on balance transfers for 13 months from the time you open the account. Another one worth mentioning is their 0% rate on purchase up to the third month upon opening the account. The Zero credit card is the second type of Alliance and Leicester card. This offers more 0% rates but has a higher APR rate. Like the Regular card, it has no annual fees and offers 0% rates on balance transfers. It also waives foreign exchange and cash advance fees, making this the ideal card for the frequent traveler.
An Alliance and Leicester card is indeed very promising. Of course, you have to understand that with these perks, you will receive higher APRs. If you wish to use this card, you have to condition yourself to be credit savvy. Do not put your payments on installment too much. Avoid paying late as late charges are higher with this specialty card. As long as you're wise, you can use this card.