Classic Credit Card rates and details
Note:
You can no longer open a new Classic Credit Card.
Summary box
This Summary Box sets out the key features of the credit card. For full details, please read the terms and conditions.
APR
Rates from 9.9% to 24.9% per annum (variable) apply depending on individual circumstances.
Interest rates
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| Transactions | Introductory rates | Monthly rate | Annual rate | ||
|---|---|---|---|---|---|
| From | To | From | To | ||
| Purchases | n/a | 0.790% | 1.870% | 9.9% | 24.9% |
| Cash withdrawals | n/a | 0.790% | 1.870% | 9.9% | 24.9% |
| Balance transfers | n/a | 0.790% | 1.870% | 9.9% | 24.9% |
Interest-free period
- Maximum 56 days for purchases if you pay the total of all non-promotional balances on your statement in full and by the due date
- No interest-free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Interest charging information
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| From | Until | |
|---|---|---|
| Purchases | date transaction applied to your account | statement balance, excluding any promotional balance transfers, paid in full |
| Cash withdrawals | date transaction applied to your account | statement balance total paid in full |
| Balance transfers | date transaction applied to your account | statement balance total paid in full |
The transaction date is the date the amount appears on your account.
We work out interest on the average daily balance during each statement period. You will not pay interest on new purchases if you pay your statement balance, excluding any promotional balance transfers, in full and on time. Otherwise, the period over which interest is charged is as above.
Allocation of payments
We allocate payments to balances which show on your current statement in a high to low interest rate order, then, to balances in a high to low interest rate order which do not yet appear on your statement. For further details, please refer to your credit card terms and conditions.
Minimum repayments
- You must pay us a minimum monthly payment equal to (i) 3% of the remaining statement balance, or (ii) £5, whichever is higher.
- If the balance is less than £5 you must pay what you owe us in full.
Credit limit
| Minimum credit limit | Maximum credit limit |
|---|---|
| £500 | Subject to status |
Fees
No annual fee.
Charges
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| Cash fee | Balance transfer fee | Copies of statements | Card replacement |
|---|---|---|---|
| 2.5% (minimum £3) of the amount withdrawn on each cash advance. | 2.4% (minimum £5) of the amount of each balance transfer | There are no fees for additional copies of statements | No charge |
Foreign usage
| Visa Exchange Rate | Cash fee |
|---|---|
| Rates can be found at Visa Europe exchange rate (opens in a new window) | 2.5% (minimum £3) of the amount withdrawn on each cash advance |
Default charges
| Late payment fee | Over limit fee |
|---|---|
| £0 | £0 |