Gold Card

Based on an example credit limit of £1,200, our 16.9% rate p.a. for purchases gives a representative rate of 16.9% APR variable.

Unless we specifically tell you interest rates are fixed, you should assume they're variable.

Up to 56 days' for Purchases if you pay your balance in full and on time.

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as follows:

Purchases, balance transfers, cash advances and cash related payments

• From: Date debited to your account
• Until: Paid in full

If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order;

1. any unpaid arrears or amounts over the credit limit;
2. the amount you owe us and shown in your statement;
3. any transactions, interest or charges not yet included in a statement.

We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower rates. In each case, interest and charges are paid off first.
If some amounts are charged at the same interest rate, we will apply your payment to the oldest amount first.

The minimum payment will be the higher of;

1. The sum of
1. interest for the period from the last statement
2. any default charges, and
3. 1% of the full amount you owe as shown on your monthly statement (not including interest and default charges)
2. 3% of the full amount you owe as shown in your monthly statement (including interest and charges)
3. £5

Minimum credit limit is £500, maximum credit limit is subject to status.

No annual fee.

You can find out more about the Payment Scheme Exchange Rate at the Visa Rates website opens an overlay.

Dependent upon the type of transaction you undertake one or more of the following charges will apply: