Apply for an All in One Credit Card

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Pre-Contractual Explanation

We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the All in One Credit Card Key Facts Document which can be accessed using the link above. You should also read this before you apply.

 

Is a credit card right for my borrowing needs?

A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

 

What interest and charges might apply?

Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal made in the UK or abroad.

We charge a monthly fee of £3 for this credit card. We don’t charge a balance transfer fee on any balance transfers made during the introductory period. We can change the fees (including the monthly fee and amending the balance transfer fees) and interest rates on your card. We'll let you know in advance if we plan to do this.

Any introductory rate we offer you starts from the date your account is opened.

For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement.

 

How much will I have to pay under the credit agreement?

It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

 

What are the consequences to me if I do not keep up repayments?

If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

 

Changing your mind

You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

 

Paper-free

  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your e-Documents in Online Banking.
  • We may occasionally still need to send some correspondence by post.
  • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone 

 

To apply, you must answer yes to the following. 

  • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
  • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
  • I accept the Key Facts Document and Terms & Conditions.

Credit check
When you apply, a credit check will be carried out which will show on your credit file.

Your contact preferences
During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences
During your application we’ll ask if you want us to increase your credit limit in the future:

  • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
  • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.

Continue