Barclaycard Platinum Credit Card with Purchase and Long Term Balance Transfer

As seen on TV: Exclusive online Gadget Insurance offer - Apply for the Barclaycard Platinum by the 5th September 2008 and get Gadget & Personal Possessions Cover FREE for the first 6 months

Simply apply for the Barclaycard Platinum today, once you receive your card make sure you call us to activate it before the 30th November 2008 and we'll set up your Gadget & Personal Possessions Cover FREE for the first 6 months!

With Gadget and Personal Possessions cover:

• You get £500 cover for gadgets and £500 cover for personal possessions.
• You get £350 mobile phone insurance + £2,000 airtime abuse cover (£500 Pay as you go).
• There is 90 days worldwide coverage.
• You can claim up to three times per year.
• There is a 14 day deferred period from when you register your insured item(s) to the actual start date of cover as stated on your certificate of insurance.
• Items must be under 36 months of age at the date of registration.
• There is an excess of £25 per claim.
• Theft from a commercial vehicle, convertible or soft topped vehicle is not covered.

How to apply to get your Gadget & Personal Possessions Cover Free for the first 6 months

Step 1 - Click the link below to apply for your Barclaycard with the 6 months free Gadget & Personal Possessions Cover.

Step 2 - Once you've received your new Barclaycard, give us a call by the 30th November 2008 to activate the use of your card.

Step 3 - We'll do the rest to set up your Gadget & Personal Possessions Cover and get your welcome pack sent across to you.

You are able to cancel your cover at any time during the 6 month free period. If you’d like to continue your cover after this point, we'll bill you for £8.99 each month thereafter, until you choose to cancel your cover.

Find out more: Gadget Insurance Policy Summary, Policy and Offer Terms and Conditions

Barclaycard Platinum also includes:

• Identity Protection Service - advice about protecting yourself from identity theft
• Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection against loss or damage to online, phone or mail orders from despatch to door (second-hand goods and services excluded)
• Emergency help when travelling abroad
• Great holiday deals with our Travel Service
• Convenient online account management.
• Emergency cash advance and credit card replacement service
• Opt in for text alerts five days before your payment is due
• 24 hour helpline

Important information

Barclaycard reserves the right to withdraw this offer at any time.

Terms and Conditions apply. Barclaycard is subject to application and status.

This offer is only available to new customers.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Think about our Platinum Credit Card if you:

• Want some time out from paying interest on your credit card
• Have a good credit history
• Are 21 or over (are you under 21?)
• Have a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Don't already have a Barclaycard
• Haven't missed multiple payments on a credit agreement within the last 12 months
• Don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
• Aren't a student (are you a student?)

It's good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card

Other rates	Introductory Rates	Monthly Interest Rate	Annual Interest Rate
Purchases	0% for 10 months from account opening	1.313%	16.9%
Cash withdrawals	N/a	2.075%	27.9%
Balance transfers	6.5% until paid in full with no fee on balance transfers made within 60 days of account opening on amounts up to £5,000.	1.313%	16.9%

Purchases	From transaction date	Until paid in full
Cash withdrawals/Cheques	From transaction date	Until paid in full
Balance Transfers	From date of debit from your account	Until paid in full
	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.

Monthly Repayment	Minimum repayment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£21.28	£13.84	£1.27
How much interest will be charged in the second year?	£119.60	£34.22	None
How long would it take to clear the balance?	18 years 2 months	1 year 11 months	1 year

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 on all rights, you may be required to pay interest or other charges under the terms of this Agreement.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.

Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP

Platinum Balance transfer terms and conditions

1. You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower. This is subject to the available credit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over £5,000, the excess will be debited to your account and charged at 6.9% interest per annum until paid in full. We will not charge a handling fee on the excess.
3. We can't accept transfers from cards or loans issued by companies within the Barclays Group.
4. If you choose to close your account with other lenders, please let them know in writing.
5. You should continue to make payments to your other lenders until the balance has been confirmed.
6. Your monthly payments will reduce your promotional balances first (promotional balance transfers will be repaid before promotional purchases). This means that you will be charged interest on other balances and new spending whilst your promotional balances are being paid off. Obviously the more you pay back, the quicker your balances will be paid off.
7. If you do not make at least the minimum payment by the payment due date each month or if you exceed your credit limit at any time we will remove the promotional rate from any promotional balance and charge at your standard rate instead (typical rate 16.9% APR variable).
8. This credit card balance transfer offer is only available when you apply online using this application form. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account.