Carnival MasterCard From Barclaycard Makes Seeing The World Easy
The Carnival MasterCard from Barclaycard helps cardholders take cruises without spending a lot of money for them. By saving money on a cruise, the cardholder is able to spend their money on other things, making their trip one of a lifetime.
The Carnival MasterCard from Barclaycard is a unique travel rewards card in that it is aimed toward sending its cardholders on cruises for less. If you are someone who likes to cruise or you have never been on a cruise ship and you wish to do so, the trip can become even sweeter when you don't have to pay full price for it.
There are a number of ways to earn points so they can be applied toward your next cruise. The first is to simply use your card for purchases. You can use it on gas, food, and retail purchases and earn 1 FunPoint for every dollar spent. If you take your card on your Carnival cruise, then you will earn 2 FunPoints for every $1 spent, including onboard purchases that are charged to Sail & Sign.
Another way to earn is when you use the card for the first time. Using the card earns bonus FunPoints. The fourth way is to execute a balance transfer within a month of opening the account and ensuring that balance transfer is over a certain amount of money. This will help you earn a redemption that will take a significant amount off of your cruise cost.
With no annual fee, the card does not have a direct cost. The cost comes in the way of the APR. When the account is opened, there is an introductory rate that will save money. This introductory rate means that there will be no or very little interest charged to the card, allowing points to be accumulated on purchases for free.
Even on balance transfers, there may be no or very little interest charged to the card. However, balance transfers do not earn FunPoints like purchases do. Regardless, balance transfers save money. If you are paying a high amount of interest on a card, transferring to this card can save hundreds or thousands on years of interest, especially when transferring during the introductory period.
When transferring a balance during the introductory period, there is the opportunity to pay down the balance as much as possible during that period. That keeps the interest paid on that amount very low.
It is important to note that if a payment is made late on the card, there is a penalty APR and this penalty APR is higher than the standard variable APR that is established when the introductory period is over. Also, the penalty APR is assessed even during the introductory period if a payment is made late. This means that the introductory APR comes to an end. This penalty APR can be assessed indefinitely if Barclaycard chooses to do so.
The fees are rather cut and dry in that you have a late fee if you make a late payment. This fee is assessed in addition to the penalty APR. If you choose to do a balance transfer, then there is a fee in addition to the balance transfer APR. This APR is going to vary based on whether or not you are in the middle of taking advantage of an introductory APR.
Cash advances do not have an introductory APR, so this is variable based on creditworthiness and the Prime Rate. In addition to the APR, there is a fee that is a minimum dollar amount or a set percentage of the transaction amount. This is how the fee is assessed on balance transfers as well. Which fee is charged depends on which is greater.
If a check or ePayment is returned, then a returned payment fee is assessed to the account. In order to avoid a late fee, the payment will need to be made by the due date. If you are in an introductory period, you want to ensure the payment is made on time regardless of the returned payment. If the payment is not made on time, then both fees are assessed to the account.
Customer service takes care of its customers. You can call from anywhere in the world, as you can use the card anywhere MasterCard is accepted. You can find out what your balance is, how much available credit there is to use, can change your billing cycle date if you need to change your due date, and effectively manage your account. However, online access also helps you manage your account even more effectively.
You can do everything that can be accomplished by calling customer service, but you are able to see your statements, activity, and make the payment at a push of a button without having to wait in a customer service queue. You can access your online account from anywhere in the world with an Internet connection. This is also considered the ideal way to identify any fraudulent activity on your account right after it happens. That makes this a card that has security.
As an added measure of security, you can opt for paperless billing. This means that your statement is delivered to you on the Internet rather than through the mail where identity thieves can get a hold of the statement and use it to steal your identity and ruin your credit. Unfortunately stealing mail is one of the ways in which identity thieves work, but online delivery of statements and online account management on a computer that you ensure is secured can be a good tool against identity theft.
The Carnival MasterCard from Barclaycard is a card that makes travel more affordable so you can do all of the things that you want to do when traveling. You can use the money you save to do the things you want to do and buy what you want to buy or simply enjoy the savings while holding a credit card that has few fees, no annual fee, an introductory APR, and effective account management.
Published: June 14, 2015
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