If you don’t pay your balance in full by your payment due date then interest is charged on your standard balance, from the date the purchase is debited to your account. Transactions in your standard balance include:
Together with your cash and promotional balances, your standard balance is part of your main balance.
This is made up of transactions with promotional terms, which we’ll tell you about before you make the transaction. If the interest rate isn’t 0%, you’ll start to pay interest on your transaction from the moment it is debited to your account. Remember, promotional interest rates aren’t affected by any change in the Base Rate from 1 February 2016. Your promotional balance includes:
Together with cash and standard balances, your promotional balance is part of your main balance.
When the expiry date of your promotional offer is getting close, we’ll attempt to get in touch by email, text or letter to remind you.
Purchase Plan is a feature that lets you spread the cost of a large purchase at 0% interest for a fee. Payments are spread across equal monthly payments over an agreed period of time. Your Purchase Plan balance includes: