With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account.
You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped.
The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card.
What should you know about balance transfers?
We charge a balance transfer fee of 3% (minimum £5) on any balance transfers made during the introductory period.
What’s the monthly fee for using the credit card?
We charge a £3 monthly fee for this credit card.
Can we change interest rates and charges?
We can change these rates and charges but we’ll tell you before we do.