Your purchase offer in detail

Your purchase offer in detail

Here we’ll tell you everything you need to know about your new offer, including the little things you need to watch out for.

What purchases aren’t eligible for the offer?

Your offer doesn’t cover cash withdrawals, buying currency or traveller’s cheques, or any cash-like transaction you make such as money orders or wire transfers. It also doesn’t include gaming-related transactions, such as gambling, betting and buying lottery tickets.

Are there any limitations to my offer?

This offer is for you, this card, and for this account. So you can’t use it on any other cards you have, or pass it on to anyone else.

If a purchase is not paid off does the interest start from the date of purchase or the end?

Interest will start from the point that your promotional balance loses its 0% interest promotion. So if you’ve bought a sofa worth £300, but have paid off £250 by the time your promotional period ends, you’ll only be charged interest on the remaining £50.

What happens if I go over my credit limit or don’t make the minimum payments?

You will lose your promotional rate if you make arrangements to pay less than your minimum payment each month.  If this happens we’ll move your remaining balance to your standard balance, and charge interest on it at your simple standard rate. Your simple standard rate moves up and down in line with the Bank of England Base Rate.

What happens when my offer ends?

When your promotional term ends or if you lose your promotional rate, we’ll charge you interest at your standard rate on any remaining balance.

You can find your standard interest rate on your latest statement. Bear in mind that your standard rate moves up and down in line with the Bank of England Base rate, so the number you see could change.