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Check application status. Representative 19.9% APR variable
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Summary Box
 

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
 
APR

• Representative 19.9% APR variable

• Rates from 19.9% APR to 24.9% APR depending on individual circumstances.
Other interest rates Introductory Rate*Monthly RateAnnual Rate
Purchases N/A From 1.524% p.m. to 1.870% p.m. 19.9% p.a. to 24.9% p.a.
Cash Transactions2 N/A From 2.104% p.m. to 2.104% p.m. 28.4% p.a. to 28.8% p.a.
Balance Transfers2 0% p.a. for 9 months1 From 2.104% p.m. to 2.104% p.m. 19.9% p.a. to 24.9% p.a.
Interest Free Period
  • Interest free period on Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on Purchases if you pay your balance in full and on time.
  • Interest free period on Balance Transfers only applies to the introductory rate period (if any).
Interest Charging Information
Purchases Date added to Account Repaid in full †
Cash Transactions Date added to Account Repaid in full †
Balance Transfers Date added to Account Repaid in full †

† Interest is calculated daily.
You will not pay interest on new purchases if you pay your balance in full and on time each month. If you have not paid your balance in full in the previous month, you may receive a further interest charge in the following month even if you have paid your balance in the current month in full.
Allocation of Payments If you do not pay off your balance in full, payments we receive are applied to the highest interest bearing transactions first.
For further details, please refer to your card terms and conditions.
Minimum repayment
  • All fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit. (Subject to a minimum £5)
  • If you only make the minimum payment it will take longer and cost more to clear your balance.
Credit Limit Minimum credit limit
 £500
Maximum credit limit Subject to Status
Fees • No annual fee
Charges Balance Transfers Up to 5.00%
Special Transactions Balance Transfers – we will tell you the amount of the fee when offering these to you.  
Cash Transactions 3% (minimum £3.00)
Paper copies of statements £3.00
Overseas Transactions (including Cash Transactions) 2.75%
Dormancy Fee £10
For further details, please refer to the Credit Agreement
Default Charges Late Payment Fee £12.00
Administration Fee for returned cheques or direct debits £12.00
Over limit fee £12.00
Trace Fee £25 (applied if you do not inform us of a change of address and we have to trace you)
Credit Balance Fee Up to £10 (applied if you have a credit balance on your Account for three consecutive months)
 

1 Applies to Balance Transfers made within 6 weeks of signing your agreement.
2 Where permitted on the account.
* To benefit from the 0% rate you must make your required monthly payments on time and not exceed your Credit Limit. If you fail to do so, we may charge the standard Retail Purchases rate instead of the Introductory Rate.
 

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° If your Account Card starts with the digits 633128, unfortunately this service is not available to you.