You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.
Your balance transfer offer – 0% balance transfers can only be made within the first 60 days from account opening.
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:
If you don’t pay off your 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.
When your 0% balance transfer offer ends – you'll be charged interest at your standard rate on any outstanding balance transfer.
Staying on top of your account – if you miss payments or go over your credit limit, you will incur additional costs through interest and fee charges; you could also lose any promotional interest rates. So please make sure you’ve read and understood the terms and conditions before you apply.
You could build your credit rating over time as long as you always make your payments on time and stay within your credit limit. However, if you don’t do those things, your credit rating could be harmed.