Summary Box 

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
Rate Band A B C D

Representative 18.9% APR Variable

20.9% APR Variable

23.9% APR Variable

29.9% APR Variable

Other Interest rates (variable)

Monthly Rate Annual Rate Monthly Rate Annual Rate Monthly Rate Annual Rate Monthly Rate Annual Rate

Promotional Purchases:

(For 6 months on all purchases at over £200°)

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Standard Purchases 1.460% 18.90% 1.601% 20.90% 1.808% 23.90% 2.210% 29.90%
Promotional Balance Transfer Rate (For 12 months from account opening on transfers made within 90 days of account opening) 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Balance Transfer 1.460% 18.90% 1.601% 20.90% 1.808% 23.90% 2.210% 29.90%
Cash Advance 2.078% 27.90% 2.078% 27.90% 2.078% 27.90% 2.210% 29.90%
Interest free period  Up to 50 days on Standard Purchases when you pay your balance in full every month by the due date.  Any interest free period only applies to any other transactions notified to you by us.
Interest charging information

 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:

 Purchases transaction date repayment in full*
 Balance Transfers date debited to your account repayment in full*
 Cash Advances transaction date repayment in full*
 *If you pay the balance in full, the Interest charge for the period from the previous statement to the date of the full repayment will be debited the following month.
Allocation of payments  We will allocate your payments to pay balances relating to higher Interest rates first. Where fees and charges are payable your payment will be allocated to the Interest rate applicable to these fees and charges, again relating to the higher Interest rate first.
See clause 7 of customer terms and conditions for full details.
Minimum repayment  1% of the Principal amount owing and any outstanding Interest, charges and fees or £5, whichever is greater.
Amount of credit  Minimum Credit Limit of £100, maximum Credit Limit subject to status.
Fees (variable)  Annual fee: £nil (variable)
Charges (variable)

 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.  

Default Charges (variable)

 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 and then Rate E

Representative Example:


Standard Purchases:18.9% p.a. variable.

Representative 18.9% APR variable.

Total amount of credit: £1200.

This is for Illustrative purposes only and actual total amount of credit may differ.