Credit cards seem to be available everywhere and offered by everyone.

We wanted to provide members with an affinity card that didn't just offer an attractive rate of interest but also guaranteed a seamless service and was available worldwide around the clock.

We chose MBNA Europe Bank Limited - one of the leading providers of affinity credit cards worldwide - to manage the LTU credit card. They offer:

• Individual decisions on credit limits
• 24 hour Freephone Customer Satisfaction Helpline
• Online credit card management
• A credit card cheque facility
• Access via your card to over 20 million retail outlets and over 630,000 ATMs - in most countries throughout the world. For up to date information or advice on using your credit card worldwide or to withdraw cash, please call our Customer Satisfaction Helpline, available 24 hours a day on freephone 0800 028 2440.

One more important reason for choosing MBNA - by signing up for the LTU Credit Card you will be helping us to help our members. That's because MBNA rewards the Union for each member who holds a card and we use the contributions we receive to provide welfare services for members.

For more details about the LTU Credit Card please contact us on 01234 262868.

The Lloyds TSB Group Union Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.