When you sign up for the Last Minute Club MasterCard, you have no choice but to become a member of one of the most exclusive travel clubs in Canada, the Last Minute Club. This is a club that offers travel for reduced prices. For instance, you could go to Paris and stay in a quality hotel for around $1,000 and earn even more savings through the points that you earn while using the card.
When you apply for the card, the application process is easy. You simply fill out your basic information and you can also state whether or not you want to perform a balance transfer from a higher interest card.
Once the card is approved, you can earn bonus points after making your first eligible purchase. You then earn points for every dollar spent in eligible purchases and you can earn even more points for every dollar spent depending upon the possible promotion that is running at the time.
For the first six months after account opening or the period specified by MBNA, you can take advantage of a promotional annual interest rate on balance transfers and cheques and deposits have a promotional rate for the first 10 months.
Basically, this is a card that gives you an entire suite of benefits without paying an annual fee. Usually, travel credit cards have an annual fee in order to cover some of the cost of providing such benefits. This card does not do that and even includes a complimentary membership for the last Minute Club.
To better take advantage of your account, you have online access to it. This access allows you to track your balance, your available credit, and make payments. You can view your points balances and manage them. There is a lot you can do with online account access and you can study your account at your own leisure, taking advantage of the fact you have a physical picture of your card activity in front of you.
If you choose to contact customer service, 24/7 customer service is available to address any questions or issues that you may have. They can provide you with a lot of the same information that is available online, but such tasks as card replacement can be taken care of by talking to someone with customer service.
Because the card is a PayPass card, you are protected when shopping online because a password is used before a purchase is made. If someone would fraudulently get a hold of your card or your card number, they would not be able to use it without your password.
Another security measure that is being taken with this card is 24/7 fraud monitoring. This service identifies any strange spending on the card. If you never withdraw significant amounts or you didn't tell the credit card company you would be traveling, the card being used in different destinations that are far apart can freeze the card so that a thief cannot spend the money on it. If you need to have the card replaced, then you can contact the 24/7 customer service and they can have a replacement card on its way in no time.
The club itself is unique and is a part of owning the card. It is unique in that it is like a travel or booking agency without the costs and without being overly pushy. The discounts that are received are also rather significant, allowing you to travel places you have always wanted to go. Use your card on eligible travel and other purchases and you save more by earning points and redeeming those points toward your vacations and other trips.
When you use the card while traveling abroad, you will have no issue using the card at millions of locations that accept MasterCard. Even when traveling in another country and your card is lost or stolen, the unparalleled 24-hour customer service will be able to come to your aid quickly and have a replacement card sent to you as soon as possible.
To get the most out of your card, it is good to know what all it entails. For instance, you have different annual interest rates for balance transfers, access cheques and deposits, and cash advances. There is a standard interest rate applied to the card, but it can be increased if a late payment is made. That increase stands until 12 months of consecutive on-time payments are made.
If making foreign transactions, a small percentage of each transaction amount is charged to the account. A small portion of the transaction amount is also charged on wire transfers, balance transfers, cash advances, and access cheques and deposits.
Also know your introductory periods for various features on the card, such as balance transfers. Knowing this will tell you when to expect the rate increase. When it comes to your interest rate, you do have an interest-free grace period of 21 days where you can pay off the account balance without having to pay the interest on the account. This is a way that you can save money on your purchase AIR.
Other than these fees, introductory periods, and other things you should know, you should also be aware of the account fees, which are the fees that include over the credit limit, returned payments, returned access cheques, and sales drafts or statement copies. If your account is not active and it has a balance, you will be charged yearly on the anniversary date of when the card became inactive. The fee is not high. If the balance is less than the fee, then the lesser amount is charged. If it is the balance, then making that payment results in the balance being paid off.
This is a card that thinks about the traveler and making their travel dreams come true. Through many discounts, reduced rates, reasonable fees, and the Last Minute Club membership, the Last Minute Club MasterCard will help you travel where you want to go without ever having to pay the full cost.