FEATURES:	SUMMARY:
Annual Percentage Rate  APR for card purchases (based on £1,500 credit limit)	Typical rate 15.9% APR (variable) - that's 1.2408% a month.
Promotional rate	0% p.a. on balance transfers and credit card cheques for nine months from account opening - that's 0.0000% a month, provided you operate your account within the terms and conditions.
Other rates including handling fees (based on £1,500 credit limit)	18.3% p.a. (variable) on balance transfers and credit card cheques - that's 1.2408% a month. 18.3% p.a. (variable) on cash transactions that's 1.2408% a month.
Interest free period	Up to 59 days on card purchases as long as you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information	Card purchases, balance transfers, credit card cheques and cash transactions: we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
How your balance is paid off	Items at lower rates of interest on your statement will be paid before items at higher rates of interest.
Monthly minimum payment	The lesser of: • 2.25% of your balance (min. £5) or • charges for Payment Protection Cover plus interest and fees, plus £5 or • your balance, if it's under £5.
Credit lmit	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee	£0
Other charges	2% handling fee (min. £2, max. £35) for credit card cheques and some balance transfers. 2% handling fee (min. £2, no max.) for cash transactions. 2.75% commission on foreign currency transactions.
Default charges	£25 for going over your credit limit, paying late, or payments that bounce.

 

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