Credit card fees and charges

We won’t charge you a late payment fee if you don’t pay your monthly minimum payment. However, it may impact your credit score.

You could set up a Direct Debit to avoid late payment. Once you have, the payments are taken automatically, so you won't have to remember to make a payment each month. You can also change your payment date to one that's more convenient.

If you don’t want to set up a Direct Debit, we must receive your payment before the agreed date. We usually process any payment we receive before 5pm the next working day (Monday to Friday, not including bank holidays).

We charge interest on your credit card balance each month. You can check how much interest you may get charged in the Interest Summary Table on your credit card statement in our Internet Bank.

If you miss a payment, you can make a payment to your credit card online, over the phone or in branch.

If you’re struggling to make your minimum payments, we’ll do all we can to help.

You won't get charged if you go over your limit, but we'll add the amount owed to your minimum payment on your next statement.

Your credit score may be impacted if you go over your limit regularly, so you should bring your account within your limit as quickly as possible.

If you’re close to your credit limit, we’ll contact you either by text or email. So, it’s important we have up-to-date contact details for you.

You’ll get alerts even if you’ve opted out of marketing.

Interim payments are when you pay additional money to your card during a statement period.

Making an interim payment will get your account back within the limit sooner than if you wait for your next statement and due date. We apply interim payments to your balance as soon as we receive and process your payment.

As we calculate and apply interest per day, interim payments will reduce the interest you’ll be charged on your outstanding balance.

Apart from promotional offers, we charge a 2.4% balance transfer fee or £5, whichever is greater.

This does not include our interest on balance transfers.

You may have to pay a cash advance fee of 2.5% of the amount or £3, whichever is greater, when you use your card to:

• take out cash in sterling or a foreign currency (for example, from a cash machine)
• buy foreign currency, or
• pay for traveller’s cheques.

This does not include our interest on cash advances.

All our credit cards offer worldwide commission-free purchases.

This does not include our interest on foreign currency.

If you’re still not sure why you’ve been charged, our Credit Card Services Team are happy to help.