Summary of fees and charges
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| Up to 56 days for purchases when you pay your balance in full every month by the due date. There is no interest free period for Balance Transfers or Cash Advances. |
- Purchases - if you don't pay the statement balance in full by the due date we will charge interest on each transaction, from the date the transaction is charged to your account until it is paid in full.
- Cash Advances and Balance Transfers - interest is always charged from the date of each transaction.
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| If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate. Please refer to "Application of Payments" section in your Agreement for a full breakdown. |
| Minimum monthly repayments of £5 or 2% of the balance (whichever is greater) |
| Minimum credit limit £250, maximum credit subject to status |
| £0.00 Annual Fee |
| 2.5% handling fee (minimum £2.50) of the amount of each cash advance (includes cash withdrawals and foreign currency and travellers cheques), a fee of 2% of the amount of each Balance Transfer (minimum £5), 2.75% administration charge on non-sterling transactions, a fee of £5 to stop a cheque, first statement date change is free, subsequent changes £10, copy vouchers £5 and copy statements £5. |
- £12 if you exceed your credit limit
- £12 if you pay late
- £12 if a cheque for a Balance Transfer is returned unpaid
- £12 if any payment is returned unpaid
- £12 if we serve a Default Notice
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