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

Representative 34.9% APR Variable

Other Interest rates (variable) Monthly Rate Annual Rate

Promotional Purchases:

(For 6 months on all purchases at of £200 or more°)
0.0% 0.0%
Standard Purchases 2.526% 34.90%
Balance Transfer 2.526% 34.90%

Cash Advance
(where applicable)

2.526% 34.90%
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:
        From       To
Purchases transaction date repayment in full*
Balance Transfers Cash date debited to your account repayment in full*
Advances transaction date repayment in full*
Cash Advance Cheques date debited to your account 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.
Credit limit 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: 3% 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.