Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.
Your Asda Cashback Start Credit Card is issued by;
Creation Financial Services Limited (Company number: England 1091883) – Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands, B91 2AA. Authorised and regulated by the Financial Conduct Authority.
Asda Cashback Start Credit Card Agreement May 2019
1.1 In these terms and conditions:“Account” means the account opened by us in your name under this Agreement;“Act” means the Consumer Credit Act 1974, as amended from time to time;“Additional Cardholder” means a person nominated by you, and accepted by us, to whom we issue a Card;“Associated Company” means any company whose ultimate parent company is BNP Paribas Personal Finance and “Group” means the group of companies, comprising us and all Associated Companies;“ATM” means an automated teller machine;“Balance Transfer” means a transfer to the Account of an amount in sterling outstanding by you or an Additional Cardholder under an agreement with another lender;“Card” means a credit card issued by us to you and/or to an Additional Cardholder under this Agreement for use in connection with this Agreement and includes a replacement card issued by us under this Agreement from time to time;“Cardholder” means you, the person named as the Customer under this Agreement;“Card number” means the number of the Card, or of the Account or of this Agreement;“Cash Advance” means an advance of monies made to you or on your behalf, or to an Additional Cardholder or on the Additional Cardholder’s behalf, including but not limited to cash, Cash Advance Cheque, foreign currency, travellers’ cheques or cash related transactions;“Cash Back” means cash received from a retailer by use of the Card at point of sale, where available;“Charges” means Interest, costs, fees and charges and expenses payable by you to us under this Agreement;“Credit Limit” means the maximum debit balance or amount which may at any time be owing by you to us under this Agreement;"Crypto currency" is a digital currency, in which encryption techniques are used to regulate any units of currency and verify the transfer of funds, operating independently of a central bank;“Interest” means interest at the relevant interest rate stated in this Agreement as varied by us from time to time;“Internet” means access to the world wide web;“Mastercard” means the network of acceptors of the Card;"Online Account Manager" means an online facility for you to self-serve and manage your account;“Outstanding Balance” means all monies, including without limitation, Principal, Charges and other amounts owing by you to us from time to time under this Agreement and, in relation to any part of this Agreement, under that part of this Agreement;“part of this Agreement” means any part of this Agreement as identified by the different Interest rates that apply under this Agreement;“PIN” means the personal identification number(s) and/or password(s) issued by us for use by you and/or by an Additional Cardholder in connection with this Agreement;“Principal” means the original amount charged to the Account in respect of Standard Purchases, Promotional Purchases, Cash Advances and Balance Transfers;“Promotional Purchase” means, where available, a purchase of goods and/or services by you or an Additional Cardholder (which can be made at one or more outlets as advertised from time to time by us to you) at an Interest rate which is lower than the Interest rate then applying to a Standard Purchase and for which payment is made, and which may be effected, as in the case of a Standard Purchase;“Refund” means a monetary reimbursement (evidenced in writing) of a previous debit to the Account, whether or not the debit has already appeared on the Account or the Statement;“Standard Purchase” means a purchase of goods and/or services (including any insurance) by you or an Additional Cardholder and in respect of which payment is made by use of the Card, Card number or, where permitted by us, a PIN and which may be effected in any manner including, without limitation, by means of text messaging by mobile phone (“SMS”), ATM, e-mail and Internet;“Statement” means a statement referred to in clause 11, and “Statement Date” means the date of the Statement;“this Agreement” means this multi-part agreement inclusive of all its parts and comprising the face of this agreement and these terms and conditions;“We”/”our”/”us” means Creation Financial Services Limited, (whose ultimate parent company is BNP Paribas Personal Finance) and includes our successors and assigns;“You”/”your” means the person named as the Customer under this Agreement.
1.2 Unless the context otherwise requires, words and expressions to which meanings have been given on the face of the Agreement shall have those meanings in these terms and conditions; words in the singular shall include the plural and the reverse; and words in the masculine gender shall include the feminine gender.
1.3 Headings are for convenience only and shall not affect the meaning of any provision.
You request, and we agree to issue, a Card to you for use under this Agreement. You must sign the Card as soon as it is received. The Card is and remains our property at all times and must be returned to us on request.
3.1 We may agree to issue a Card to a person nominated by you as an Additional Cardholder, provided that you first obtain the specific consent of the proposed Additional Cardholder prior to making the application. The Additional Cardholder must sign the Card on receipt. The provisions of this Agreement also apply to any Additional Cardholder. You must ensure that any Additional Cardholder keeps to the provisions of this Agreement.
3.2 You are solely responsible for all use made by you and by the Additional Cardholder of the Card including the PIN, Card number and this Agreement, and for all indebtedness incurred by you and the Additional Cardholder, under this Agreement.
3.3 We may decline to issue a Card to a person nominated by you without stating a reason.
3.4 If we issue a Card to an Additional Cardholder you authorise us to disclose to the Additional Cardholder information about this Agreement and the Account, including without limitation, the Credit Limit and the Outstanding Balance.
4.1 We will decide at our discretion on the amount of credit we grant under this Agreement and will notify you in writing of the Credit Limit and of any sub-Credit Limits which may from time to time (as notified by us to you) apply to Cash Advances and each part of this Agreement. We will notify you of changes to your Credit Limit in writing from time to time. If we increase your Credit Limit we will give you at least 30 days’ notice. The Credit Limit (and, for the avoidance of doubt, any sub-Credit Limit applying to any part of this Agreement) may not at any time be exceeded. Sub-Credit Limits form part of the Credit Limit.
4.2 You may reject any increase in your Credit Limit that we propose. You also have the right to reduce your Credit Limit at any time and request that no further Credit Limit increase be applied to your Account in future.
5.1 You, and any Additional Cardholder, may use the Card, Card number or PIN for Standard Purchases or Promotional Purchases at any outlet or ATM displaying the Mastercard sign and with any website operator authorised and willing to accept the same. The Card may be used for such Standard Purchases or Promotional Purchases, within or outside the United Kingdom(subject to variation by notice by us from time to time in accordance with clause 19).
5.2 You, and any Additional Cardholder, may use the Card for Balance Transfers (where available) or to obtain Cash Advances (subject to variation by notice by us from time to time in accordance with clause 19). You may also obtain Cash Advances in-store by Cash Backs, where such facilities are made available. Cash Advances will be subject to such minimum and maximum limits which we will notify you in writing from time to time. You may be required to enter your PIN when entering into a Standard Purchase or Promotional Purchase. We may at our discretion permit you to enter into Standard Purchases using the Card number or PIN in conjunction with a mobile number registered with us. We will convert transactions in foreign currency (including Euros) into sterling at the exchange rate set or applied by Mastercard, LINK, any relevant bank or Travelex (as appropriate) on the date the Cash Advance, Standard Purchase or Promotional Purchase is processed. We will also charge a commission for the currency conversion at the rate in force from time to time as notified to you in writing (see also clause 16.2).
5.3 The Card and Account may only be used for private, and not business, purposes nor for any gambling related transactions or to purchase Crypto currency. The Card may only be used during the period of its validity, as stated on the Card.
5.4 We will not be liable if any establishment or ATM fails or refuses to allow you, or an Additional Cardholder, to use the Card, Card number or PIN.
5.5 You may instruct a Third Party Provider (TPP) to access information on your account or make certain transactions from your online account. If you give a TPP permission to access your account and account information we cannot guarantee how that TPP will handle your Personal Information or its security. We will treat any instruction received from a TPP as if it was from you and the terms and conditions of this agreement will continue to apply. If you have provided consent to a TPP to access your Account we shall share your Personal Information with them as is reasonable for them to provide their services for you. We may refuse to allow a TPP to access your account if we reasonably suspect fraudulent or unauthorised activity on their part. We will tell you before we do this unless it is impractical to do so or unlawful. If you wish to use a TPP you should check if they are authorised. TPP may not be authorised under Channel Island and Isle of Man local law. If you no longer wish to use a TPP you must immediately inform us.
We will set up an Account in your name and we will debit it with the amount of all Standard Purchases and Promotional Purchases, Cash Advances, Balance Transfers, insurance premiums (if any), Charges and other amounts owing or payable by you to us under this Agreement. We will debit Charges on the date they are incurred and the annual fee (if any) on each anniversary commencing on the date notified to you in writing. We will credit to the Account all payments received from you under this Agreement once they have been cleared and any Refund we may permit.
7.1 You are liable to pay to us the Outstanding Balance. Without limiting our rights and your obligations under this Agreement, You must pay us at least the monthly payment shown in your Statement, namely 1% of the Principal and all Charges or £5 (whichever is greater), by the date shown in the Statement. Prompt payment is essential (see clause 12). If, over a sustained period of time of no more than 18 months, we find that you are paying more in Charges than of your Principal we will contact you to help you pay off the Outstanding Balance quicker. If you for a further sustained period continue to pay more in Charges than the Principal we may ask you to make additional payments or take such other action so that you pay your Outstanding Balance over a reasonable period of time depending on your personal circumstances. Any such additional payment shall be in addition to the minimum payment shown in your Statement and any failure to make such additional repayment will not be a breach of this Agreement but may result in us suspending the use of your Card. We may change the amount of the monthly payment. You have to make, or the way in which it is determined at any time. We may make changes if we become aware of any change in your circumstances which we consider will affect your ability to fulfill your obligations under this Agreement or to ensure that the monthly payments you make are sufficient to reduce your Outstanding Balance on a month by month basis in a manner acceptable to us. We will give You at least 30 days’ notice of any change. If we do make any such changes you may close your Account without giving us any notice providing You repay us all amounts that You owe us within 60 days of receiving our notice. We may at any time write to You giving You the opportunity to make no payment or a reduced payment in any month, provided that Interest will continue to accrue on the Outstanding Balance in the normal way.
7.2 We may permit you, at our discretion, to make payment at any retailer named on the Card, by transfer from another account by telephone, on-line or other electronic means.
7.3 Unless you pay the Outstanding Balance in full we will allocate your payment to pay balances relating to higher Interest rates first. Where fees and charges are payable your payment will be allocated according to the Interest rate applicable to these fees and charges, again relating to higher Interest rates first. We will allocate any remaining payment to any amounts not yet showing on your Statement in the same order set out above.
8.1 We will charge Interest on Standard Purchases, Cash Advances, Balance Transfers, Charges and Promotional Purchases, starting on the transaction date and ending on the date you pay the Outstanding Balance in full (whether or not any of the items appear on the Statement). Payments shall only be considered to be made upon receipt of cleared funds. We will charge Interest on Interest you already owe, at the rate, which applies to the relevant part of the Agreement (for example, Standard Purchases, Cash Advances, Balance Transfers or Promotional Purchases). We will always charge Interest on the Charges (other than cash handling fees) at the rate which applies to Standard Purchases. Interest at the Cash Advance rate will be applied to cash handling fees.
8.2 We calculate Interest on the average daily Outstanding Balance since the previous Statement Date. Any residual Interest calculated on the Account, but not shown on the latest Statement, shall be shown on the following Statement and be payable by the due date shown on that Statement. Where some interest is payable in any Statement period we will charge at least £0.50.
8.3 We will not charge Interest on Standard Purchases shown on your Statement if you pay off the whole Outstanding Balance shown on that Statement, and on the Statement before, by the payment due date shown on your Statement.
8.4 Interest will not accrue on any credit balance on the Account. You may request immediate repayment of any credit balance on the Account.(a) We may, from time to time at our discretion and for such period as we deem fit, by written notice to you: vary the Charges under any part(s) of this Agreement having regard to your credit profile/credit rating at the time of your application;(b) vary the Interest rate(s) or fees under any part(s) of this Agreement, having regard to your performance under this Agreement or your credit profile; and/or (c) charge lower Interest rates on higher Outstanding Balances.
8.5 The total charge for credit and APR are calculated on the assumptions that credit of £1200 is being provided in full on and for a period of one year from the date of this Agreement; the Interest rate is that relating to Standard Purchases; and the credit is repaid in 12 equal instalments and at monthly intervals, beginning one month after the date of this Agreement.
9.1 If you have contracted for any insurance through us and have agreed to pay the premium to us, then you must pay the premium together with your monthly payment to us by the due date each month or as otherwise required. We will forward any premium payment to the insurer. If you fail to pay any premium either we or the insurer may write to you giving you notice of cancellation of the relevant insurance.
9.2 We may from time to time, by written notice to you, add facilities and services under this Agreement which we reasonably believe will be of benefit to you. You request that we provide, the following (without limitation) if available and subject to our discretion:(a)account management and information facilities by telephone, or other electronic means, for purposes we may specify; and(b)a Visa Card or Visa facility.
10.1 You, and any Additional Cardholder, must sign the issued Card(s) immediately upon receipt. You, and any Additional Cardholder must keep the Card(s) secure and memorise your PIN as soon as you receive it, keep it secret, never write it down and destroy the paper slip upon which the PIN has been printed as soon as You receive it. You, and any Additional Cardholder, must keep your Mastercard Securecode security information secret. You, and any Additional Cardholder, must never give the Card, Card number or details to anyone (except when carrying out a transaction).
10.2 You will not be liable for any use of the Card, Card number or PIN by another person who does not have your permission to use it. However if You, or your Additional Cardholder, agreed to that person having Your Card, Card number or PIN, You will be liable for any use that occurs before You tell us in accordance with paragraph 10.4; and if you have acted dishonestly or without reasonable care then, to the extent permitted by law, You may be liable for misuse of the Card, Card number or PIN.
10.3 Any PIN issued by us is at our discretion and we may refuse to issue a PIN without stating a reason.
10.4 If the Card, Card number or PIN is lost, stolen or likely to be misused by someone who has obtained it without your consent, you must immediately notify us by telephoning Creation on 0371 402 8907 and confirm this to us in writing within seven days by writing to: Creation Customer Services, Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA.
10.5 We may require you to assist the police with their investigation and recovery of the Card. You authorise us to provide appropriate information to any relevant person in connection with the loss, theft or possible misuse of the Card, Card number or PIN.(a) We may, from time to time at our discretion and for such period as we deem fit, by written notice to you: vary the Charges under any part(s) of this Agreement having regard to your credit profile/credit rating at the time of your application;(b) vary the Interest rate(s) or fees under any part(s) of this Agreement, having regard to your performance under this Agreement or your credit profile; and/or(c) charge lower Interest rates on higher Outstanding Balances.
10.6 If your, or an Additional Cardholder’s, Card, PIN or Card number is misused before you notify us as above, you will only have to pay us up to £50 for misuse. If you, or an Additional Cardholder, consent to, or permit, the Card, PIN or Card number to be misused or act fraudulently or with gross negligence, you may be liable for ALL losses.
10.7 If any Card which has been reported to us in the above circumstances is found, it must not be used but must immediately be returned to us cut in half and, where applicable through the CHIP.
11.1 We will send you Statements of your Account for each month in which there is an Outstanding Balance and otherwise at such intervals as may be required by law or regulation.
11.2 If we agree, you may opt for an electronic Statement which you may view on-line and for which an electronic notification shall be sent to you each month by e-mail. Where you opt for an electronic Statement you may revert at any time to a paper Statement.
11.3 We may send you notices by electronic means.
If you fail to make prompt payment of the monthly payment or if you, or an Additional Cardholder, break any other term of this Agreement or if we have reasonable grounds to believe that you, or an Additional Cardholder, has committed, or is about to commit, a criminal offence in connection with this Agreement, or if you are declared bankrupt or take steps to enter into a compromise with your creditors or in the event of your death, we shall be entitled:(a)without notice, to end, restrict or suspend your right, and/or the right of any Additional Cardholder, to use the Card, PIN or Card number;(b)to charge interest forthwith at the standard rate for Standard Purchases on any Promotional Purchases and/or Balance Transfers then outstanding on the Account;and/or(c)subject to serving on you any notice required by law, to end this Agreement (and, for the avoidance of doubt, each part of this Agreement).
Subject to fulfilling your obligations under clause 15, you may at any time end this Agreement or any part of this Agreement by giving us notice in writing which may take effect immediately.
Without affecting our rights under clause 12, we may end this Agreement at any time: (a) by giving you at least two month’s written notice; or (b) if you have not used the Account for a period of 18 months and there is a nil balance on the Account.
15.1 If you or we end this Agreement under any of clauses 12, 13 or 14, you must immediately:(a)pay to us the Outstanding Balance (and, for the avoidance of doubt, the Outstanding Balance under each part of this Agreement);(b)stop using the Card, Card number and PIN and ensure that the Additional Cardholderimmediately stops using the Card, Card number and PIN; and(c)return to us all Cards cut in half and, where applicable, through the CHIP.
16.1 You agree to pay us on demand all our reasonable Charges together with all reasonable legal costs, incurred by us in enforcing our rights under this Agreement.
16.2 You agree to pay to us on demand our reasonable fees and administration charges, including any arising out of any default by You under this Agreement, in accordance with the tariff shown below as varied by us from time to time.
Current charges (variable) are as follows: fee for late payment: £12; fee for an unpaid payment, cheque or Direct Debit: £12; fee for exceeding Credit Limits: £12; 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% (minimum fee £5); annual fee: £0
Interest at the relevant Interest rate will accrue on the Outstanding Balance after, as well as before, any judgment, until receipt of payment by us of the Outstanding Balance in full.
We may suspend the use of your Card if you are only making the minimum payment shown on your Statement over a sustained period of no more than 36 months. In addition to our other rights under this Agreement (including, but not limited to, our rights under clause 12) we may at any time treat your right to draw down any further credit as restricted or deferred and take such steps as may be necessary to make the restriction or deferment effective. We may also refuse to issue a new or replacement Card to you or any Additional Cardholder at any time. We will notify you in writing of any such decision as soon as possible. We will normally only restrict your right to make further drawdowns if we reasonably consider payment of the Outstanding Balance to be at risk as, for example, where you have defaulted under any other agreement with us or any Associated Company.
19.1 We may, at our discretion, vary the Credit Limit (and any sub-Credit Limit), the payment due date, the payment period and any of the Charges. We may also vary any Interest rate and the terms of any Promotional Purchases (without affecting any Promotional Purchases already made by you). We will usually only vary one or more Interest rate for business, legal or operational reasons. We may vary any other provision of this Agreement which is stated to be variable. We may also vary any of these terms and conditions so as to make them easier to understand or to take account of developments in technology or to give effect to changes in law, regulation or practice, or for any other valid reason, including (but not limited to) the provision of additional services under this Agreement or if the Card ceases to be available in any jurisdiction or outlet.
19.2 We will give you at least 30 days’ notice of any Interest rate change or such other period and by such means as may be permitted by law or code of practice and notice of any other variation in writing. In addition, if any change is to your disadvantage, we will allow you to end this Agreement (in accordance with clauses 13 and 15) within 60 days of the date of the notice without requiring you to pay any increased Charges stated in the notice.
20.1 We will send Statements and notices to your address stated in this Agreement or your address last notified by You to us or any Associated Company.
20.2 You must immediately notify us in writing, by telephone or via your Online Account Manager of any change in your home address, telephone numbers, email address or name. We may assume that any such change also applies to any other agreement You may have with us and any Associated Company.
20.3 You will be liable to pay us our reasonable costs and expenses in establishing your address and telephone number if you do not notify us of a change in accordance with clause 20.2.
Any indulgence or concession which we may grant you shall not affect our rights under this Agreement.
You agree that we may assign and/or transfer our rights and obligations under this Agreement provided that your rights against any person to whom we make such assignment or transfer remain the same (except as may be varied in accordance with this Agreement). You agree that we may give financial or other information we hold about you to any such person. You may not assign or transfer any of your rights or obligations under this Agreement.
To access our Data Protection Notice go to www.creation.co.uk/about-us/data-protection-notice. We will process your personal data, for our own legitimate interests and those of other organisations, for the following purposes: We will use a credit scoring or other automated decision making system when assessing your application for credit, and it is important that you give us accurate information. If you make an application for an Additional Cardholder then we will assess the identity and address of the applicant via a Credit Reference Agency. We may pass limited information to subcontractors for administration purposes including issuing credit cards and for printing and mailing letters, notices and statements and may transfer your personal data and the personal data of your Additional Cardholder to suitable organisations worldwide for the purposes of processing. When transferring your personal data and the personal data of your Additional Cardholder outside the European Economic Area we shall impose contractual obligations on the recipients of that data so that it is protected to the same standard as required in the European Economic Area.
We may use our records for statistical analysis on credit usage, insurance and fraud and for market research. We may give information about you, this Agreement and the conduct of your Account to Debt Collection Agents, any insurer in relation to this Agreement, any agent or administrator acting on our behalf in connection with this Agreement and to any proposed assignee, transferee or chargee of our interest in or under this Agreement, including any party connected with a proposed debt sale or securitisation, their insurers and advisors. Where you have taken out Payment Protection Insurance (PPI) or any similar insurance we will process personal information about you and provide this information to the PPI Insurers for the purpose of administration and handling any claims under the insurance cover.
You have a right to receive a copy of the information that we hold about you by contacting us. You can email us at firstname.lastname@example.org, write to us at Creation Financial Services, Chadwick House, Blenheim Court, Solihull, West Midlands, B91 2AA, or call us on 0371 376 9214.
24.1 This Agreement shall be covered by and construed in accordance with English Law unless you lived in either Scotland or Northern Ireland when this Agreement was made, in which case the applicable law for Scotland or Northern Ireland (depending on where you lived at that time) shall apply, and the terms of this Agreement shall bear their nearest equivalent meanings for that jurisdiction.
24.2 If any provision or part of this Agreement is found to be illegal or unenforceable, it shall be deemed to be severable from, and shall not affect, the remaining provisions. This Agreement shall only come into force if and when it has been signed by us or on our behalf.
The completion of this application and the signing of this agreement does not constitute, nor imply, acceptance by us of your application. We reserve in our absolute discretion, the right to decline acceptance of your application without giving any reason for doing so and without incurring any liability whatsoever. We will tell you if we have accepted your application and that the agreement is made.
Creation Financial Services Limited (Company number: England 1091883) - Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands, B91 2AA. Authorised and regulated by the Financial Conduct Authority.
Instant Credit: where instant credit is granted under this Agreement, you may draw on credit up to the agreed credit limit notified to you at the time instant credit is granted.
We are a member of the Finance & Leasing Association (FLA) and follow the FLA Lending Code. Copies of the FLA Lending Code are available on request from us.This code sets out standards of good practice for the finance industry and provides you, the customer, with reassurance that you are dealing with a reputable organisation.
Asda Cashback Start Credit Card account holders will be able to earn cashback on every full pound spent on every qualifying purchase using the Asda Cashback Start Credit Card at the following rates:
1 a) You will get 1% Cashback for purchases made in ASDA stores including ASDA Supercentre, ASDA Living and ASDA Supermarkets and all purchases from ASDA.com/groceries, George.com and on all ASDA fuel court/filling station/petrol station purchases. b) You will get 0.2% cashback on all other purchases.c) Cashback will be mathematically rounded up or down to the nearest pence on each qualifying transaction.
2. Cashback will not be payable for any:a) Cash Advance (including Balance Transfers, cash withdrawals from an ATM or over the counter at a bank or cash provider, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges.b) Amounts that are subsequently re-credited to your account by way of refunds. Any purchases refunded to your Card will be removed from the total of your eligible cashback balance; orc) Spending which, in any one month, exceeds your credit limit. Cashback may be suspended and not earned if you break any of the terms and conditions of your Card Agreement, for example:a) If you do not keep up-to-date with your Account payments; orb) If you exceed your credit limit; orc) If you enter into an arrangement with your creditors or are made bankruptYou will start earning cashback again when payments to your account are up-to-date.You will not earn cashback if your Card Account is closed or suspended (except where your Credit Card is lost or stolen).We have no obligation to award Cashback for any reason outside of the qualifying purchases and we may remove or cancel any or all Cashback if we determine that it was awarded in error.
3. Cashback vouchersa) Your Cashback balance can be found on your Online Account Manager by going to Asda.com/creditcardlogin (if you have registered for an account) or you will also see it on your monthly Statement.b) Cashback has no value until it is converted into a voucher. You can only create one cashback voucher at a time.c) We will provide you with communications about how you can create your cashback vouchers. When a voucher is created, the amount on the voucher that has been created will be deducted from your Account and your Online Account Manager will be immediately updated. Your new Cashback balance shown on your next monthly Statement, it will consist of the transactions made in the Statement period minus any vouchers that may have been created in that Statement period. d) Vouchers can be created online, using the Online Account Manager, or through any other channel we specify. e) The minimum voucher amount that can be created is £2.50. Vouchers may be created for any amount over £2.50 up to the value of the Cashback balance shown on your Online Account Manager. Vouchers are not for resale and are valid in the UK, IOM and the Channel Islands only. Vouchers cannot be exchanged for cash. Defaced or copied vouchers will not be accepted and usual age restrictions on purchase of goods with vouchers apply. Vouchers are the property of Creation Financial Services Limited.f) Vouchers can only be used at their face value for qualifying purchases in Asda Stores. A list of purchases which do not qualify can be found on your Online Account Manager. Vouchers cannot be redeemed at an Asda Petrol Station, or at an Asda Kiosk. Vouchers should be treated as cash. We have the right to specify when and where your Cashback can be redeemed and hold the right to withdraw this reward if we deem necessary.g) A voucher is valid for use in Asda Stores for 28 days from the date that it was created and cannot be used after that date. Expired vouchers have no value, and you will lose the amount of Cashback should the voucher be unused. We may provide you with the option to cancel any vouchers that are created within the 28 days of its creation and the amount will be applied back onto your cashback balance. The available channels for spending the voucher can be changed by us at any time.h) Vouchers can be used to pay for a qualifying purchase, which is greater than or equal to the voucher value.i) Vouchers may only be used once.j) Providing your Account is up to date you will be able to create vouchers online with the same terms mentioned above in point two.k) You will be able to keep your Cashback balance providing your Card Account is active. This means that you have spent or made repayments to your card in the last 18 months.l) If you pro-actively choose to close your account by contacting us you will be advised to download a cashback voucher to redeem your cashback balance in line with the rules above.
We may at any time vary any of these terms and conditions, including the rate at which cashback is paid, or withdraw the cashback scheme by giving you 30 days advanced notice.
Any change will be due to business, legal or operational reasons. If we change the way in which we calculate cashback this will not affect the calculation in relation to any purchases you have made before the change takes effect.
Foreign currency purchased using your Asda Cashback Start Credit Card through Asda Travel Money Bureau (whether purchased on-line, over the phone or in-store) will be treated as a purchase rather than a cash transaction and no cash purchase fee will be charged. No cashback will be given when you buy foreign currency.