Gold Card - Rates and fees
Increased spending power with added protection benefits.
| SUMMARY BOX - GOLD CARD | ||||
|---|---|---|---|---|
| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. | ||||
| APR | Typical 16.9% APR (variable) | |||
| Interest rates | Introductory Rate | Monthly Rate | Annual Rate | |
| Purchases | 0% for 6 months from account opening | 1.313% | 15.8% p.a. | |
| Cash advances | N/A | 1.875% | 22.5% p.a. | |
| Balance transfers | 3.9% APR for 12 months from account opening | 1.313% | 15.8% p.a. | |
| Interest-free period |
| |||
| Interest charging information | You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows: | |||
| From | Until | |||
| Purchases | transaction date | paid in full | ||
| Cash advances | transaction date | paid in full | ||
| Balance transfers | date debited to your account | paid in full | ||
| Allocation of payment | Your payment is allocated in the following order of lowest first to highest (transactions may attract different interest rates):
See section 2 (D)(c) of your Credit Card Agreement for full details. | |||
| Minimum repayment |
| |||
| Credit limit | Minimum credit limit | £3,000 | ||
| Maximum credit limit | Subject to status. | |||
| Fees | None | |||
| Charges | Cash advances | 3.0% handling fee, minimum £3.00 | ||
| Foreign currency transactions | 2.75% exchange fee on non-Sterling transactions | |||
| Balance transfers | 2.9% of transferred amount, minimum £3.00 for each balance transfer debited to your account during the first 12 months from account opening, unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application. | |||
| Returned payment fee | £10.00 | |||
| Default charges | Late payment fee | £12.00 | ||
| Over-limit fee | £12.00 | |||
| For further information please read the Credit Card General Conditions | ||||
All rates of interest shown are variable unless stated as fixed, if you break any term of this agreement, we may reduce or end any period that applies to any special offer we have made under the agreement.
