Overview: You can choose what your card looks like. There is no annual fee and you have up to 56 days of interest free credit on new purchases though not on transferred balances or cash advances. They will grant a credit card only to people aged 21 or more who live in the UK or Channel Islands. To apply for one of their personal loans you must be an adult with a per annum income of at least 10,000 pounds. When they collect your personal information only the employees that need to see it for business reasons will have access to it. They have a Cashback incentive program. They sell travel, motor and house insurance to residents of the United Kingdom.

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