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Home > Credit Card > Find Out More

Leeds Building Society
Card
 Leeds Building Society Credit Card

Get a little something special...

...a great rate with 0.5% cashback on all eligible purchases.


As an independent building society, personal attention is all important to Leeds Building Society. That’s why we’ve teamed up with Barclaycard who can bring you the highest standards of service – 24 hours a day.

Apply Online

  • Typical 17.9% APR (variable)

  • No Annual Fee

  • 5.9% interest on balance transfers, fixed for the life of the balance transfer (2% handling fee applies)

  • 0% p.a. on purchases fixed for six months

  • 0.5% cashback on all eligible purchases

  • Excellent customer service

  • Accepted around the world

  • Online access to your account - providing a real-time summary of your account and allowing you to pay your card bill, and much more

  • Guarantee to guard against internet fraud
Cashback Terms and Conditions Balance Transfer Terms and Conditions

 

Summary Box
It’s good to know the plain facts about your Leeds Building Society Card. This summary box gives you clear information about the key features of your card.

APR
 Typical 17.9% APR (variable)
Other interest rates
 Introductory Rate Monthly Interest Rate Annual Interest Rate
Purchases
0% interest for 6 months from account opening
 1.385% 17.9%
Cash Advances
 N/A 1.805% 23.9%
Balance Transfers
5.9% interest, fixed for the life of the balance transfer with a 2% handling fee on transfers made within 60 days of account opening on amounts up to £5,000.
 1.385% 17.9%
Interest free period
Maximum 56 days on purchases if you pay in full and on time each month.
No interest free period on balance transfers or cash withdrawals or cheques.
This is subject to any interest free promotional offer.
Interest charging information
The periods over which interest is charged are as follows:
From Until
Purchases From transaction date
Paid in full
Cash withdrawals From transaction date
Paid in full
Cheques From transaction date
Paid in full
Balance transfers Date debited to your account Paid in full

You will not pay interest on Default Charges for 28 days, starting from the date that you are given notice of the Default Charge. Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month.
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 balances
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 subject to status.
We may restrict the amount of cash that you can withdraw.
Fees
No annual fee.
Charges
Cash & cheques
Balance transfers
Overseas transactions
Copies of statements
Copies of transactions
2.5% (min £2.50)
3% (unless we tell you otherwise)
2.75%
£3.00
£5.00
Default charges
Late payment fee
Over credit limit
Returned payment
£12
£12
£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 example below assumes the following:

  • £1,000 purchase on 1st March 2009 and no further transactions made
  • Payment is made each month on payment due date
  • Typical rate of 17.9% APR variable is charged
  • Calculation excludes payment protection insurance
  • Credit limit is not exceeded
  • Calculation includes introductory rate on purchases (if applicable)
  • Minimum payment of 2% or £5.00 (whichever is greater) is made
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

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.