There are certain terms that you have to accept if you want to be a BP Multi cardholder.

Before you become a credit card holder, the Chase Bank will review your credit report. They will also gather information about you to confirm that you are able to meet the criteria for this offer. To be a BP Multi Cardholder You must be at least 18 years old. The bank reserves the right to change the benefit features that are associated with your card at any moment. It is always best to compare credit cards before you decide to apply online.

In other terms, you will find that there is 23.24% (APR) for purchases and it is variable. You can get 27.24% Cash Advance APR which is again variable. The default APR is available up to 31.24% at a variable rate. Normally the best credit card comparison is done between similar credit cards.

The following APRs may vary every month based on the Prime Rate:

• Purchase APR: Prime Rate plus 15.99%.
• Default APR: Prime Rate plus up to 23.99%.
• Cash Advance APR: Prime Rate plus 19.99%.

You should keep in mind that the APRs can change to higher APRs, variable APRs can change to fixed APRs and fixed APRs can change to variable APRs. Any alteration will be according to your account agreement. The BP Multi Card provides at least 20 days grace period for repayment of purchase balances. There is an annual fee of $29.95 for BP Multi Card. The minimum finance charge is $1.00. The advantage of using this card is that there is no Over-the-Credit-Limit fee. Although the BP Multi Card is a great card in our opinion the Virgin remains 0% balance transfer best buy.[tags]bp credit application,bp credit card application[/tags]