The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR Rates as shown, depending on individual circumstances
39.9% APR variable
|Interest rates (variable)||Introductory Rate*||Monthly Rate||Annual Rate||Monthly Rate||Annual Rate|
|Purchases||We may make promotional offers from time to time||2.207%||29.95%||2.840%||39.94%|
|Cash Transactions, if available||not applicable||2.529%||34.95%||2.840%||39.94%|
|Balance Transfers, if available||We may make promotional offers from time to time||2.207%||29.95%||2.840%||39.94%|
|Interest Free Period||
If you do not make at least your minimum payment in full and on time or if you go over your credit limit any promotional rates may come to an end and we will charge the standard purchase rate or the standard balance transfer rate, as applicable, instead of the promotional rate.
|Interest Charging Information||
**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 credit card terms and conditions.
|Credit Limit||Minimum credit limit||£250|
|Maximum credit limit||Subject to Status|
|Fees||No annual fee|
|Charges||Balance Transfers (if available)||Up to 5.00%|
|Cash Transactions||3% (minimum £3.00)|
|Paper copies of statements||£3.00|
|For further details, please refer to the Credit Agreement|
|Foreign Usage, if available||Payment Scheme Exchange Rate||Rates can be found at www.mastercard.com|
|Non-Sterling Transaction fee||2.75% of transaction|
|Non-Sterling Cash fee||3% (minimum £3.00)|
|Default Fees||Late Payment Fee||£12.00|
|Returned Payment Fee||£12.00|
Trace Fee (charged if you change your details and you do not tell us where you may be contacted)
* To benefit from any promotional offers or introductory offers you must not break the agreement, e.g. by not making at least your minimum monthly payment in full and on time or exceeding your Credit Limit. If you do break the agreement, we may charge the standard purchase rate, standard balance transfer rate or other applicable standard rate instead of the promotional rate or introductory rate.