You will not pay interest on new purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as follows:
Transaction copy fee: £5.
Statement copy fee: £3.
Foreign currency conversion fee: 2.99%.
Balance Transfer fee: 2.9% or £3 whichever is greater, unless we tell you otherwise.
Cash handling fee: 3% or £5, whichever is greater.
Fee for unpaid payment, cheque or Direct Debit: £12.
Fee for late payment: £12
Fee for exceeding Credit Limit: £12.
Your application will be automatically assessed for Rate A. If you do not meet the criteria you will then be considered for Rate B and then Rate C and then Rate D
Standard Purchases:14.9% p.a. variable.
Representative 14.9% APR variable.
Total amount of credit: £1200.
This is for Illustrative purposes only and actual total amount of credit may differ.