APR	15.9% APR Typical
Other interest rates	Introductory Rate	Monthly Rate	Simple Annual Rate
Purchases	0% p.a. for 6 months	1.241%	14.891%
Cash Transactions	N/A	1.912%	22.949%
Balance Transfers	0% p.a. for 9 months	1.241%	14.891%

Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash transactions.

From	Until
Purchases	Transaction date	Repaid in full*
Cash transactions	Transaction date	Repaid in full
Balance transfers	Date debited to your account	Repaid in full
*If the full balance outstanding on the statement is paid and credited to the Account by the date for payment shown on the statement no interest will be charged. The interest free period only applies to introductory rate.

We will apply payments we receive to your account in the following order:

1. Insurance Premiums
2. Interest
3. Charges or fees
4. Balance Transfers and Promotional Transactions (those with the lower interest rates first)
5. Retail Purchases
6. Cash Transactions

See other financial information section of customer terms and conditions for full details.

Greater of 3% of outstanding balance or £5 each month.
Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.

Minimum credit limit of £500, maximum credit limit subject to status.

No annual fee

Cash transactions - 2.5% with a minimum of £2.50
Copies of statements - £3.
Overseas transactions - 2.75% (Including purchase of foreign currency and travellers´ cheques).
We will charge a 2.5% balance transfer fee (min £5)