If you are paying for the purchases that you made previous month using the Saga Credit Cards, no interest rate would be charged provided you pay the money in the stipulated time period. Only when you fail to pay the money in the due date, interest would be charged. However this rule is applicable for only the first 50 days when you are using this credit card. From the year 2008 onwards, this credit card company does not entertain any cheques. Any cheques that you provide would not be honored by Saga Credit Card Company.

The features of the Saga Credit Cards are summarized below:

• No annual fees is charged
• 500 pounds of minimum credit limit
• 1% handling charge on foreign currency transactions
• Card Protection Plan available at 67 pounds annually on every 100 pounds
• No interest rate on purchases made for the 1 st 9 months
• 55 days of interest free cash withdrawal
• late payment of 10 pounds is charged

The security features of the Saga Credit Cards are:

Card Protection Plan: You can protect you credit card from any kind of theft or loss by opting for the Card Protection Plan. Under this plan, your lost credit card is immediately replaced by a new one and covers all the transaction that has been made using your fraudulent credit card. In order to avail this plan, you will have to invest 20 pounds for one year

Payment Protection Insurance: This insurance policy from Saga Credit Card Company covers your monthly payment in case if you are unemployed or suffering from a major disease; but only for a limited period of time. Balance up to 15,000 pounds would be cleared in the case of death of the card holder. It has to be kept in mind that this policy is only meant for the UK citizens who are not more than 65 years of age.

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