Credit cards are meant to simplify your finances and make transactions easier for you. With the large number of options available, it can be very difficult to choose a credit card that is perfect for your needs. Usually, people look for the basic information like the credit limit and APR while applying for a credit card. An important detail that they usually miss on is finding out who is the credit card provider.
Who owns your credit card?
When there are so many options to choose credit card, it is sometime confusion about who really own the credit card and their terms and conditions.
There are hundreds of plastic card available that becomes more confusing. Who own mbna credit card? Who owns aqua credit cards? I have prepared a list of service provider list to clear this cloud.
Always make sure that you know the provider before you apply for a new credit card and go through their terms and conditions to avoid any troubles.
Check the list of all leading credit card providers detail below:
|Sr.No||Credit Card Brand||Provided By|
|1||AA||Bank of Ireland UK|
|2||Albion (West Bromwich Albion FC)||Creation Financial Services|
|3||Axis Bank||Axis Bank|
|4||Allied Irish Bank||Allied Irish Bank|
|6||Allahabad Bank||Allahabad Bank|
|7||American Airlines||MBNA Limited|
|8||American Express||American Express|
|9||Andhra Bank||Andhra Bank|
|13||Bank of China UK||Bank of China UK|
|14||Bank of Ireland (UK)||Bank of Ireland (UK)|
|15||Bank of Baroda||Bank of Baroda|
|16||Bank of Scotland||Bank of Scotland|
|18||Bandhan Bank||Bandhan Bank|
|19||Black Diamond||Vanquis bank|
|20||Bank of India||Bank of India|
|21||British Airways||American Express|
|23||C. Hoare & Co||C. Hoare & Co|
|24||Capital One Bank||Capital One Bank|
|25||Canara Bank||Canara Bank|
|26||Costco TrueEarnings||American Express|
|27||Clydesdale Bank||Clydesdale Bank|
|28||Corporation Bank||Corporation Bank|
|29||Coutts & Co||Coutts & Co|
|30||Central Bank of India||Central Bank of India|
|31||Creation Financial Services||Creation Financial Services|
|32||City Union Bank||City Union Bank|
|33||Danske Bank||Danske Bank|
|34||Dena Bank||Dena Bank|
|36||Dorothy Perkins||NewDay Ltd|
|38||Everton FC||Creation Financial Services|
|39||first direct||First Direct|
|40||First Trust Bank||First Trust Bank (NI)|
|41||Federal Bank||Federal Bank|
|42||Flybe||Creation Financial Services|
|44||Halifax||Bank of Scotland|
|46||House of Fraser||NewDay Ltd|
|47||HDFC Bank||HDFC Bank|
|49||IDBI Bank||IDBI Bank|
|50||Indian Overseas Bank||Indian Overseas Bank|
|51||Indian Bank||Indian Bank|
|52||IndusInd Indulge Credit Card||IndusInd Bank|
|53||ICICI Platinum Credit Card||ICICI Bank|
|54||Karur Vysya Bank||Karur Vysya Bank|
|55||Karnataka Bank||Karnataka Bank|
|56||Kotak Mahindra Credit Card||Kotak Mahindra Bank|
|57||Laura Ashley||NewDay Ltd|
|58||Lloyds Bank||Lloyds Bank|
|59||Marbles Card||NewDay Ltd|
|60||M&S Bank||M&S Bank|
|62||Maximiles||Creation Financial Services|
|63||Metro Bank||Metro Bank|
|64||Nationwide BS||Nationwide BS|
|68||Ocean Credit||Capital One|
|70||Oriental Bank of Commerce||Oriental Bank of Commerce|
|72||Owls (Sheffield Wednesday FC)||Creation Financial Services|
|73||Post Office Money ®||Bank of Ireland (UK)|
|74||Punjab and Sind Bank||Punjab and Sind Bank|
|75||Punjab National Bank||Punjab National Bank|
|76||Royal Bank of Scotland||Royal Bank of Scotland|
|77||Syndicate Bank||Syndicate Bank|
|79||South Indian Bank||South Indian Bank|
|80||Sainsbury’s Bank||Sainsbury’s Bank|
|81||State Bank of India||State Bank of India|
|83||Smile||The Co-operative Bank|
|85||Tesco Bank||Tesco Bank|
|86||The Co-operative Bank||The Co-operative Bank|
|87||Think Money||Think Money|
|90||Union Bank of India||Union Bank of India|
|91||Ulster Bank||Ulster Bank|
|92||UCO Bank||UCO Bank|
|93||United Bank of India||United Bank of India|
|94||Vanquis Bank||Vanquis Bank|
|95||Very||Capital One Bank|
|96||Virgin Money||Virgin Money|
|97||Vijaya Bank||Vijaya Bank|
|99||Wolves (Wolverhampton Wanderers FC)||Creation Financial Services|
|100||Yorkshire Bank||Yorkshire Bank|
|101||Newegg Credit Card||Synchrony Bank|
|102||Surge Master Card||Celtic Bank|
Why is it important to know your credit card provider?
A credit card provider is the bank that issues you your credit card.
Knowing your credit card provider can prove to be very important especially in case the credit card you have is a balance transfer credit card.
In case a user has two credit cards from the same provider, it is likely that they will not allow you to transfer your debt between them. This is more likely to happen if either of these credit cards provide 0% interest rate facility for a longer span of time.
Hence, if you want to transfer your debt, you need to make sure that the two credit cards you have are issued by two different providers.
In today market, there are many banks offering wide range of credit cards, but sometime it’s difficult to know which bank is behind the scene.
For example, Black Diamond credit card original provider is Vanquis bank.
Based on the customer support, service and reputation, you can choose the best one, and that’s why it’s important to know who is the actual credit card provider.
Another reason why you should know your provider is that there are a few companies who do not issue two credit cards of the same range to one user. As a result, applying for a credit card twice with the same provider increases the chances of rejection of your application. This may reflect badly on your credit score.