Barclaycard Breathe Credit Card

Breathe easy knowing you've taken action

It’s one thing to talk about climate change. Transfer to us and you’ll know you’ve done something positive about it.

50% of net profits after tax (independently reviewed) from Barclaycard Breathe will be donated to Pure, the Clean Planet Trust (Registered Charity No. 1112249), to fund government-approved environmental projects. Minimum donation of £1 million in the first year.

An environmentally friendly way to manage your account. It doesn't stop there. Barclaycard Breathe is designed to be managed online, increasing convenience whilst reducing consumption

You will:

• Receive statements online (no paper statements and packaging)
• Have access to a dedicated website which keeps you up to date with our environmental projects, and offers you ways to save money with our latest offers and discounts
• Receive marketing literature online
• Use a card made with a material more environmentally friendly than a traditional PVC card

Learn more about this card

Barclaycard Breathe includes:

• Identity Protection Service - advice about protecting yourself from identity theft
• Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection against loss or damage to online, phone or mail orders from despatch to door (second-hand goods and services excluded)
• Emergency help when travelling abroad
• Great holiday deals with our Travel Service
• Convenient online account management
• Emergency cash advance and credit card replacement service
• Opt in for text alerts five days before your payment is due
• 24 hour helpline

Important information

Barclaycard reserves the right to withdraw this offer at any time.

Terms and Conditions apply. Barclaycard is subject to application and status.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Think about our Breathe Credit Card if you:

• Want to transfer your balance to a new credit card and contribute to tackling climate change
• Have a good credit history
• Are 21 or over (are you under 21?)
• Have a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Don’t already have a Barclaycard
• Haven’t missed multiple payments on a credit agreement within the last 12 months
• Don’t have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven’t been registered bankrupt
• Aren’t a student (are you a student?)

It's good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card

Other rates	Introductory rates	Monthly Interest rate	Annual Interest rate
Purchases	5.9% purchase rate on public transport (excludes Transport for London)	1.167%	14.9%
Cash withdrawals	n/a	2.075%	27.9%
Balance transfers	0% for 12 months with a 2.5% fee on transfers made within 60 days of account opening on amounts up to £5,000	1.167%	14.9%

Purchases	From transaction date	Until paid in full
Cash withdrawals/Cheques	From transaction date	Until paid in full
Balance Transfers	From date of debit from your account	Until paid in full
	Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month.

Monthly Repayment	Minimum repayment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£134.50	£115.76	£82.42
How much interest will be charged in the second year?	£118.37	£44.54	None
How long would it take to clear the balance?	17 years 3 months	2 years 2 months	1 year 1 month

Cancellation rights

You have a right to cancel this agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.

Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP

Breathe Balance transfer terms and conditions

Let yourself breathe.
If you’re stuck with a card that isn’t doing you any favours, transfer to us and improve the health of your finances- and your planet.
Here’s the small print:

1. You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower. This is subject to the available credit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over £5,000, the excess will be debited to your account and charged at 6.9% interest per annum until paid in full. We will not charge a handling fee on the excess.
3. A 2.5% handling fee will apply to each 0% interest balance transfer you make.
4. We can't accept transfers from cards or loans issued by companies within the Barclays Group. If you choose to close your account with other lenders, please let them know in writing.
5. You should continue to make payments to your other lenders until the balance has been confirmed.
6. Your monthly payments will reduce your promotional balances first (promotional balance transfers will be repaid before promotional purchases). This means that you will be charged interest on other balances and new spending whilst your promotional balances are being paid off. Obviously the more you pay back, the quicker your balances will be paid off.
7. If you do not make at least the minimum payment by the payment due date each month or if you exceed your credit limit at any time we will remove the promotional rate from any promotional balance and charge at your standard rate instead (typical rate 14.9% APR variable).
8. This credit card balance transfer offer is only available when you apply online using this application form. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account.