Credit card fees and charges

You could be charged a late payment fee of £12 if your monthly minimum payment isn't with us in time to be processed by the due date.

You can bring your account up to date by:

• making a payment online
• visiting your nearest branch
• calling 03456 00 66 11. We're available Monday to Saturday, 8am to 8pm, and Sundays and bank holidays, 9am to 5pm.

Once you've made a payment, we suggest calling us to let us know. We'll then tell you if any charges have been applied to your account.

You'll get charged interest on your credit card balance each month. You can check how much interest you may get charged on your monthly statement.

If a late payment fee has been applied to your account, you do not need to do anything. It will show on your next credit card statement and will be added to your outstanding balance.

You can get in touch with us by calling 03456 00 66 11 and we'll do all we can to help.

You could set up a Direct Debit to avoid late payment fees. Once you have, the payments are taken automatically, so you won't have to remember to make a payment each month. It's also possible to change your payment date to one that's more convenient. You can do this by calling our Credit Card Services team on 03456 00 66 11.

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.

We don't think it's fair to charge you a fee for spending over your credit limit on your card, but you must bring your account within your limit as quickly as possible.

We'll let you know when you're close to your credit limit by text message or email. You don’t have to do anything to receive these alerts. Just make sure we have the correct contact details for you.

If you do go over your limit, you must get your account back within your limit by making the minimum payment on your next statements or by making an interim payment.

You make interim payments 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.

Interest is calculated and applied per day, so interim payments will reduce the interest you’ll be charged on your outstanding balance.

If you decide to make an interim payment to get back within your limit, this will be applied to your balance as soon as we receive and process your payment.

You may have to pay a cash advance fee when you use your card to:

• take out cash (for example, from a cash machine)
• buy foreign currency
• pay for traveller's cheques

We charge a fee of 2.5% of the amount withdrawn on each cash advance or £3, whichever is greater.

We charge a 2.4% balance transfer fee or £5 whichever is greater.

You may be eligible for different balance transfer offers in the future, and this will come with different balance transfer fees.

As of 1 December 2020, all our credit cards offer worldwide commission-free purchases.

All our cards carry a fee when you withdraw cash, whether that’s in sterling or a foreign currency. The fee is 2.5% of the value of the withdrawal or £3, whichever is greater.