Fees and Charges

If a charge has been added to your account and you’re not sure why, you can find out more below.

Why we have fees and charges

We will charge a fee if you breach your credit card agreement with us. This is usually because:

• You go over your credit limit or stay over the limit at any time during your statement cycle
• You don’t make your minimum payment on time.

We may also charge you for items such as returned Direct Debits or cheques, or for cash advances. For full details of fees and charges, please see your Credit Card Agreement.

Telling you about default charges

Any charge we make will be itemised on your statement. If you haven’t made your minimum payment on time or have gone over your credit limit, we will also write to you giving you details of the fee.

Charging interest

This is a one-off fee that you will not be charged any interest on for the first 28 days. You will then be charged interest on the fee at your purchase rate, unless you have paid off your full balance within those 28 days.

For more information:

Your Credit Card Agreement details how we calculate interest rates, fees and charges. You received this when you opened your account with us.

You can also read the following:

• How much time should I allow for my online payment to be credited?
• How do I make a payment online?
• Why have I received a late payment charge when I paid my credit card bill on time?