| SUMMARY BOX -
Accucard |
| This table summarises our key credit card
features. It does not replace any legal conditions and you are
advised to read the full conditions for more information. |
| Annual Interest Rates |
Introductory Rate |
Standard Interest Rate
(Variable) |
| Purchase |
N/A |
11.4% APR - 19.9% APR
Typical APR 12.9%* |
| Cash Withdrawals and Credit Card Cheques |
N/A |
13.7% APR - 22.4% APR
Typical APR 15.2%* |
| Balance Transfers |
0% for 6 months (subject to terms) on balances transferred
within 6 weeks of account opening |
11.4% APR - 19.9% APR
Typical APR 12.9%* |
| Monthly rates |
Introductory Rate |
Interest Rate (Variable) |
| Purchases |
N/A |
0.904% - 1.524%
Typical rate 1.016%* |
| Interest free period |
Up to 51 days on Purchases if your full
balance is paid off by the due date on both the previous and the
latest statements. |
| There is no interest free period on
balance transfers**, cash withdrawals or credit card cheques.
Interest is payable from the transaction date even if you pay
your full balance by the due date. **except for promotional rate
balance transfers at 0% |
| Allocation of payments |
After the minimum payments have been made, the
remainder of your payment is allocated to promotional balances
first
(see section 2 of customer terms and conditions for further
details) |
| Minimum repayment |
The larger of £5 or 2% of your balance transfers
plus the larger of £5 or 2% of other balances. |
| Fees |
Annual fee: £0 - £30 depending on the range of
benefits and interest rates you choose |
| Charges |
|
| Cash Withdrawals and Credit Card Cheques |
2% or minimum £2.00 |
| Non-sterling transactions |
2.75% of the amount of the transaction
(including the purchase of foreign currency and travellers'
cheques) |
| Copy Statements |
£5 for copies of non-current statements |
| Default Charges |
£20 for late payments, returned payments,
or if you go over your credit limit |
| *The actual rate offered will depend on your
credit history and the combination of benefits you choose |
| These details are correct as at 1st October
2003 |
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