The standard interest rate will apply from the end of the introductory period to any outstanding balance you built up during the introductory period and anything you bought afterwards, unless we offer another promotional interest rate.ī N PL can be really helpful and may be offered when you order items using your P ersonal A ccount, as long as there's no recent history of arrears on your account. If we don't receive at least the minimum monthly payment by the due date, y our introductory interest rate offer may be withdrawn. You 'll need to keep mak ing the minimum monthly payment shown on your statement. The introductory rate and introductory period (if applicable) will be set out in the offer. Now and again we offer introductory interest rates to new customers by waiving our standard interest rates during the introductory period on whatever you buy.
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And we're sorry, but o ur Introductory Interest Free offer ca n' t be used in conjunction with any other credit offers. Unfortunately, e xisting Personal Account balances can ' t be transferred onto an Interest Free offer. This o ffer is only valid for selected new credit customers who apply and are accepted for a Personal Account by 31/10/21.
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As long as you pay in full by the end of the first 3 months, you won't pay any interest.Īfter the end of the introductory period, you can then choose to pay in full and pay no interest or you can spread the cost and interest charges will apply at our s tandard rate of 37.7% APR Variable. Y ou must make the minimum monthly payment shown on your statement during th is period or your introductory interest rate waiver may be withdrawn. S o you pay 0% interest on anything you buy for the first 3 months after you open your acc ount. When you open a Personal Account we ' ll waive the first 3 months' interest charges. For example, if you buy goods worth £75 and make the minimum payment every month, you ' ll repay 25 monthly instalments totalling £102.93 and the total interest charged will be £27. So, t he sooner you pay off your balance, the less interest you ’ ll pay. Interest is calculated when the statement is produced and added to the balance, subject to a minimum charge of 50 pence per month. This equals 32.6% per annum (variable), unless you pay the balance in full. Interest is added to the balance outstanding from your last statement at a daily rate of 0.0893 pence in the pound. If you owe less than £3, we ' ll ask you to pay it all. The minimum payment will be 1/25th of the value of the goods you bought, or £3, whichever is greater. You must pay the minimum payment by the date mentioned on your statement. Remember, if you pay in instalments, you ’ ll be charged interest whi ch means you’ll pay more for anything you buy.Įach month we send you a statement which tells you exactly what you owe. Please read it carefully along with the other information we've given you to decide whether this credit account is right for you. Below, you'll find important information on what that agreement means for you. So, i t's important to think about whether you can afford the repayments.Ĭhoosing to pay in instalments means you'll enter into a regulated consumer credit agreement. But if you don't pay the full amount, we ' ll charge you interest, which increases the cost of whatever you buy. Good news! I f you pay your balance in full each month, you won't be charged any interest, which is the best way to shop. We set this limit based on your credit status and by assessing what you can afford, up to a maximum of £500.Įach month we send you a statement which shows your outstanding balance. Our Personal Account lets you treat yourself from the Damart or Sedagyl catalogues on credit, up to your credit limit.
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