• You’ll find information about both promotional and standard interest rates in a couple of places. You can read through the terms and conditions of your account, which include all sorts of useful information about your interest rates.

    Alternatively, for a snapshot including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account’s set up with paperless statements, you’ll need to log in or register to view them online.

    Important - not all balances will have a promotional rate, in which case it’s the standard contract rates that apply.

  • Your statement will detail ‘Next month’s estimated interest’, just so you’re aware and can budget accordingly.

    The calculation assumes that:

    • You continue to make the minimum payments on time.
    • You don’t make further transactions in the coming month.
    • You don’t incur additional fees or charges.
    • There are no changes to your statement date or interest rate (excluding promotional offer expiry).


    Good to know

    We don’t charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date, and you also paid your previous month's balance in full by the due date.

  • A handling fee will be charged for all cash advances, including using your card or card number to take out cash. Examples include things like:

    • Withdrawing cash from an ATM or over the counter.
    • Purchasing non-sterling currency or traveller's cheques.
    • Gambling transactions (e.g. payments made at places such as casinos, betting outlets, share trading companies and National Lottery tickets are treated as gambling transactions and attract a cash advance fee).
       

    More about credit card fees and charges

  • Unless you’ve got an active promotional offer on your account (for example, 0% on card purchases) the standard rates detailed in your credit card terms and conditions will apply. Interest accumulates daily and will appear as a charge on your monthly statement.

    Refer to your latest statement for details on interest and charges. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account is set up with paperless statements, you’ll need to log in or register to view them online.

    Good to know

    We don’t charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date, and you also paid your previous month's balance in full by the due date.

    More about credit card fees and charges

  • We won’t charge you interest on default sums for at least 28 days after the day you receive your statement. Once those 28 days are up, we'll charge you interest in line with your terms and conditions, at the same rate as card purchases. We don’t charge further interest on interest relating to default charges.

    More about credit card fees and charges

  • You’ll find lots of useful information on your latest statement, including details of offer expiry dates and rates that currently apply to portions of your outstanding balance. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account is set up with paperless statements, you’ll need to log in or register to view them online.

    Important - not all balances will have a promotional rate, in which case it’s the standard interest rates that apply. You’ll find more information about those in your credit card terms and conditions.

  • Various fees and charges could apply to your account, ranging from handling fees on transfers, to charges for late payments or exceeding your agreed credit limit.

    You’ll find more specific details for your credit card in your terms and conditions, but we’ve also created a handy guide with general information to help you.

    More about credit card fees and charges

  • No, any transfer fee you've been charged will not be reduced, even if you pay off your balance early.

  • When promotional offers come to an end, the standard interest rates at that time will apply to the outstanding balance.

    You’ll find information about both promotional and standard interest rates in a couple of places. You can read through your credit card terms and conditions, which include all sorts of useful information.

    Alternatively, for a snapshot including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account is set up with paperless statements, you’ll need to log in or register to view them online.

  • Transactions of the same type (e.g. card purchases) made at a promotional rate will be charged at that rate until the promotion ends.

    New card purchases that aren't eligible for that promotional rate will be charged at the standard interest rate, which is why multiple interest rates may show on your statement for the same transaction type.

    Your latest statement includes details of offer expiry dates and rates that currently apply to portions of your outstanding balance. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

    If your account is set up with paperless statements, you’ll need to log in or register to view them online.

    Good to know

    Details of your standard interest rates can be found in your credit card terms and conditions.

  • If you’ve received a letter about an increase to your interest rates, it’ll include all the information you need, including any options you have if you want to reject the changes.

    Changes usually apply to your balance as a whole, unless you’ve got an active promotional rate on your account, in which case the changes will only apply when the promotional rate expires, assuming you don’t breach your terms and conditions, e.g. if you haven’t paid on time or have gone over your credit limit.

    Refer to your credit card terms and conditions for details.

    For a snapshot including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ particularly helpful.