Before you begin, please take a moment to understand how this Card Account works.

• To apply, you must have a permanent UK home address, be aged 18 or over and earn at least £35k per year.
• The minimum monthly payment will be the highest of: £25 (or the amount owing if less); or any interest or fees, any amounts owed on an Instalment Plan plus 2% of the remaining balance. This Credit Card is not intended for long-term borrowing; paying the minimum payment will cost more and takes longer to clear your balance. Some types of Card use are more costly (e.g. cash withdrawal is more expensive than using your card for purchases).
• Missing a payment can have serious consequences. It incurs charges and can impact your credit rating, making it more difficult or expensive to get credit in the future. It may result in legal action (which could include getting a court order to give us the right to take payment out of the sale proceeds for your home or other property). You may lose any promotional interest rates or financial relief interest rates on your account.
• We can make changes to the Agreement, including changes to the interest rates, fees and charges. We'll tell you about any changes we make.
• You can cancel the Agreement without giving any reason by contacting us up to 14 days from the day after you receive your Card.