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 balance transfer and purchases work|
|Your balance transfer||
You have no promotional rates. There will be a 0% fee on balance transfers made within 60 days of opening your account. There is a 3% fee for balance transfers made after 60 days.
|Your purchases||If you don’t pay off you whole balance each month, including any balances you’ve transferred, then you’ll be charged interest on your new purchases from the day the transaction appears on your account.|
|Managing your Barclaycard|
|Staying on top of your account||
To manage your account well you'll need to make payments on time and stay within your credit limit - this could then help you build your credit rating over time. If you don't do these things:
|Bank of England Base Rate||Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit: barclaycard.co.uk/understanding-interest.|