AT&T Universal Platinum Card

• Save on the phone services you use everyday - Up to 30 free phone minutes per month; 2 free directory assistance inquiries per month and other wireless benefits
• No annual fee
• $0 liability on unauthorized purchases
• Secure, free online account management

The AT&T Universal Platinum Card is not for everyone: it's for those with a good credit history.  If you have maintained your credit accounts well over time and have built up a reliable credit history, there are rewards that await you.  One of those rewards is the AT&T Universal Platinum Card.  Take advantage of the bonus offers available to you for handling your finances in a responsible manner.

To begin with, the AT&T Universal Platinum Card has no annual fee and a 0% APR (annual percentage rate) introductory offer for balance transfers.  This introductory rate is valid for 12 months.  You can take advantage of this offer to combine other higher interest rate credit card bills or other expenses you have accumulated to utilize this 0% APR offer for 12 months.  This can save you a tremendous amount of money in interest and help you, through wise financial management, to pay off your debts sooner.  (This special 0% APR introductory rate does not include purchases or cash advances.)

After your AT&T Universal Platinum Card application is approved, you can request a balance transfer kit to help you get started transferring your higher rate balances.  Simply call the toll free customer service number.  (Please note that you cannot use the balance transfer option to pay off balances with other AT&T or Citibank affiliated bank cards.)

Your low everyday APR is currently an 11.81% variable rate.  A variable rate means your APRs can change, perhaps monthly.  The AT&T Universal Platinum Card uses The Wall Street Journal to find the LIBOR rate to calculate your variable APR.  The LIBOR rate (London InterBank Offered Rate) is an average rate quote that companies use to help calculate APR for business transactions.  The AT&T Universal Platinum Card uses the LIBOR rate plus 6.49% to calculate purchases and balance transfer options.  The APR for cash advances is the LIBOR rate plus 17.99%, with a minimum of 19.99%.  The current APR for cash advances is 23.31% but you will need to check all the account details at the time of application.

Summary of other AT&T Universal Platinum Card benefits

1. Purchase protection
2. Extended warranty for purchases
3. Oline account management-Includes management of account and online bill payment options.  You can also check on any unbilled activity so you can keep up-to-date with your account.
4. Fraud protection services-Early warning system in place.  Customer service representatives are watching your account activity and will alert you to any unusual changes that may take place on your account.
5. Identity theft assistance-A department set up to specifically help identity theft victims.
6. 24-hour customer service-24 hours-a-day, 7 days-a-week, a customer service representative is there to help answer your questions.
7. Not responsible for fraudulent activity-You are not held responsible for unauthorized uses.  You have 0$ liability.
8. Merchant dispute resolution services.
9. Year-end summary of account activity-Helps keep you organized.
10. Car rental insurance-No need to pay extra for the car rental company's insurance protection plan when you pay for your rental car with The AT&T Universal Platinum Card.
11. Medical and legal referral services
12. Lost wallet service
13. Up to $1,000,000 accident insurance while traveling (when trip is paid for with the AT&T Universal Platinum Card-Helps you have peace of mind while you're traveling.
14. Lost and damaged luggage insurance protection-Helps you replace luggage and items that are lost and/or damaged.
15. Emergency airline ticket replacement-Helps you get where you're going with relative ease in case problems occur with your airline tickets (when purchased with your AT&T Universal Platinum Card).
16. Emergency cash replacement

One extra special benefit of becoming an AT&T Universal Platinum Card account holder is AT&T's special offer to use your credit card as a phone card.  AT&T's vast communication expertise allows you to have this added benefit.  As well, you may be able to save on your daily phone service.  See the AT&T Terms and Conditions section of the application for full details.

Fees charged

1. Minimum finance charge-$0.50.
2. Transaction fee for foreign purchases made in foreign currency.
3. Cash advance - 3% of transaction amount, $5.00 minimum.
4. Balance transfers - 3% of transaction amount, $5.00 minimum (please note, however, that there is no balance transfer fee with this special offer included in the AT&T Universal Platinum Card program)
5. Over-the-limit fee-$39.00.
6. Late fees-$15.00 on balances up to $100.00; $29.00 on balances of $100.00 to $250.00; $39.00 on balances over $250.00.

Your grace period for repayment on balances of purchases is not less than 20 days if you pay your balance in full each payment due date.

You must be at least 18 years old to apply for an AT&T Universal Platinum Card account.  If you are married, you have the option of applying for a separate card from your spouse.