Summary Box:

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR
Representative 34.9% APR (variable)
Rates from 34.9% APR variable to 59.9% APR variable depending on individual circumstances
Interest Rates
Monthly
Annually
Purchases
2.53%
34.95%
Cash and cheques
3.14%
44.95%
Interest Free Period
Up to 56 days interest-free on purchase transactions only, where you have paid off two or more consecutive current statement balances in full and on time.
Interest Charging Information
From
Until
You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged will be as follows:
Purchases
date debited to your account
paid in full
Cash advance
date debited to your account
paid in full
Balance Transfers
date debited to your account
paid in full
Allocation of Payments
Where your repayment is not sufficient to pay off the whole of the balance outstanding on your Account, your repayment will be applied first to reduce that part of your balance bearing the highest interest rate and then on in descending interest rate order.
Minimum repayment
Your Minimum Repayment will be shown on your statement and will be the highest of:
  • depending on your APR, one of (i) 3.5%, 4.5% or 5% of the balance owing on your Account as at the statement date and (ii) any amount by which your Account is in arrears; or
  • any interest/minimum finance charge, default charges and any account maintenance fees added to your Account since your last statement plus any arrears due on your Account plus 2.3% of the remaining balance; or
  • £5

For further details, please refer to your credit card terms and conditions.

We may increase your Minimum Repayment. If we vary your Minimum Repayment we will write to tell you.
Credit Limit
 
 
Minimum credit limit
£150
 
Maximum credit limit
£1000 (Subject to status)
 
Fees
No annual fee
Charges
 
 
Cash advances
3% or £3, whichever is the greater
 
Copies of statements
£5 each
 
 
For further details, please refer to your credit card terms and conditions
Foreign Usage
Visa Exchange Rate
 
 

The exchange rate is set by Visa on the date the transaction is processed and may be different from the date of the actual transaction.

Rates can be found at http://www.visaeurope.com/en/cardholders/exchange_rates.aspx

One or more of the following may apply:
 
 
Non-Sterling Transaction Fee
2.99% of transaction
Cash Fee
3% or £3, whichever is the greater
Default charges
 
 
Late payment and overlimit fees
£12
 
Returned credit card cheque fee if a credit card cheque is not honoured
£12
 
Returned payment fee if a Direct Debit or cheque is not honoured
£12
 
Tracing charge if we have to trace you
£25
 
Cost of Borrowing
Interest Explained – based on 34.9% APR for a £250 credit limit.
To reduce the interest charged, we recommend you pay as much as you can, when you can and not just the minimum repayment. See the example below.
Illustrative example
For a purchase of £250 on your credit card
Monthly Payment
Minimum Payment each month
£50 each month
Without taking into account any introductory rates, how much interest will you be charged in the first year?
£68
£24
How much interest will you be charged in the second year?
£52
£0
How long would it take to clear the balance?
5 years 10 months
7 months
The above example assumes the following: The transaction takes place on 1st January and you make no further transactions. Your statement is produced on the 1st of each month and you always make the payment on the 15th. Your statement is produced 31 days after you make the purchase.