Credit Cards - Charges
Credit Card Information to Existing Customers




Interest Free Period Up to 50 days interest-free period on purchases when you pay your whole balance (including any balance transfers) in full and on time. No interest free period for cash advances.
Interest charging information
  • Interest is charged from the date transactions are applied to your account until full payment is received (unless the interest free period applies).
  • Interest is charged on a daily basis
  • There is no interest free period for fresh purchases, if you do not pay the full balance by payment due date
    Allocation of Payments
  • Financial charges( interest, fees, etc)
  • Cash advances
  • Purchases
  • Balance transfers
    Minimum monthly repayment 5% of the Statement Amount or a minimum of £10.
    Information to Existing Customers Cash Advance 2.5 % of withdrawal amount or £ 2.5 whichever is greater
    Foreign currency transaction/Foreign Commission Charges 2% of transaction amount
    Balance Transfer Zero Charges when you transfer your balance
    Duplicate Statement Zero Charges
    Default Charges Late Payment Charge £12
    Over Limit Charge £12
    Returned payment charge £12