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| | | | | | | | | The House of Fraser MasterCard is the only credit card that accumulates Recognition points whenever you use it, and gives you Reward Vouchers in return, to treat yourself in our stores. Here’s how it works… | |  | - Typical 19.9% APR Variable
- 0% p.a. for 3 months on retail purchases*
- 0% p.a. on balance transfers for 9 months (2.99% fee applies. Minimum credit limit £500. Mimimum monthly payments are 4% of the outstanding balance or £4, whichever is greater)**
- it’s a reward card and a credit card in one
- it’s accepted in all UK House of Fraser stores and 24 million other outlets worldwide
- earn Recognition points everywhere you spend using the card
- earn enough points and we’ll send you Reward Vouchers to spend in UK House of Fraser stores
- receive invitations to exclusive cardholder events and offers
- spread the cost of repayments, making it easier to budget for your purchases
| | | | | | | | | | | It won’t take long to collect enough Recognition points to receive a Reward Voucher. The fastest way to accumulate points is to use your card to pay for your everyday purchases like petrol, groceries, evenings out or online purchases – as well as the things you like to buy at House of Fraser. | | | | | For every £1 you spend on your card in House of Fraser, in store or online | 3 Recognition points | | For every £1 you spend on your card outside House of Fraser | 1 Recognition point | | Number of points you need to receive a Reward Voucher | 1500 Recognition points for a £15 Reward Voucher plus a £5 Reward Voucher for every additional 500 points | | Recognition points cannot be earned in selected departments or for the purchase of gift vouchers and financial services. | | | | | | | | | | | | | | | The information contained in this table summarises the key product features of your House of Fraser card and is not intended to replace any terms and conditions. | | | | | APR | Typical 19.9% APR Variable | | Other interest rates | Introductory Rate | Monthly Rate | Simple Annual Rate | | Retail Purchases | 0% for 3 months | 1.524% | 18.287% | | Cash Transactions2 | n/a | 2.104% | 25.249% | | Balance Transfers2 | 0% p.a. interest for 9 months1 | 1.524% | 18.287% | | Interest Free Period | Maximum 56 days for Retail Purchases if you pay your balance in full and on time. | | Interest Charging Information | The periods over which interest are charged are as follows: | | From | To | Until | | Retail Purchases* | Date of transaction | Repaid in full | | Cash Transactions | Date of transaction | Repaid in full | | Balance Transfers* | Date of transaction | Repaid in full | | *Interest free period only applies to the introductory rate. | | Allocation of payments | We will apply payments we receive to your account in the following order:
1. Insurance Premiums;
2. Interest, Charges or Fees (other than foreign currency)(in that order)
3. Balance Transfers (those with lower rates being paid first)
4. Retail Purchases (in the order they were added to your account
5. Cash Transactions (those with lower rates being paid first)
6. Buy Now Pay Later Transactions (in the order they were added to your Account)
Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the 'Other Financial Information' section of the customer terms and conditions for full details | | Minimum repayment | The full balance outstanding if it is less than £4.00, otherwise 4% (minimum £4.00) of the outstanding balance. | | Amount of credit | Minimum credit limit of £500, maximum credit limit subject to status | | Fees | No annual fee.
Introductory Rate Balance Transfers - 2.99%
Special Transactions Balance Transfers - we will tell you the amount of the fee when offering these to you.
| | Charges | Cash Transactions - 3% (minimum £3.00)
Paper copies of statements - £3.00
Overseas Transactions (including Cash Transactions) - 2.75% | | 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) | | | | | | ¹Applies to balances transferred within 6 weeks of the date that you sign your Credit Agreement and is subject to the available credit on your House of Fraser MasterCard. A transfer fee of 2.99% of the total amount that you transfer will be charged each time you make a transfer. This fee will be shown on your next monthly statement. Only UK credit card balances may be transferred and transfers are subject to our approval. At the end of the 9 month period if you haven’t paid off the balance transfer amount in full, interest will become payable on the remaining amount at your standard retail purchase rate.
2Where permitted on the account.
| | | | | | | | | | | | In the unlikely event that you are not totally satisfied with your House of Fraser card, please call House of Fraser Card Services on 0871 522 5827 (calls cost 10p per minute plus network extras) and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your account and then pay off your outstanding balance within 30 days, we will close your account for you and waive the interest charges and fees (we may require notification in writing). This guarantee is in addition to and does not affect any statutory rights that you may have. Calls may be recorded and monitored for quality and security purposes. | | | | | | | | | | | | Simple, clear, independent information about money. Case studies, facts and useful contacts to help you make good money decisions. www.moneybasics.co.uk. | | | | | | | |
