The first part of you initial card application

Part one of your application

To make everything as clear as possible we've summarised some of the key information below.
You need to read through this carefully before you continue with your application.

How your interest offers work

To keep your 0% rates

You'll need to stay within your credit limit and make at least your minimum payment
on time each month. If you don't, your 0% rates will go up to your standard rate
instead.

When your 0% purchase offer ends

You'll be charged interest at your standard rate for:

  • anything new you buy
  • any outstanding purchase balance on your account

If you don’t pay off your whole balance each month, excluding any promotional balances then you'll be charged standard interest on new purchases from the day the transaction appears on your account.
Don’t forget to make at least your minimum payments on time and stay within your credit limit.