Credit Card

1. To benefit from the 5.9% balance transfer, you must make the transfer within 60 days of us opening your account.
2. You can transfer any amount, as often as you like, providing the total doesn’t exceed the lower of £5,000 or 90% of your credit limit, subject to the credit available on your account at the time of transfer (minimum £250).
3. 5.9% p.a fixed for the life of the balance with 2% handling fee for 60 days from account opening.
4. To benefit from the balance transfer offer, all we ask is that you make at least your minimum repayment on time each month, and don’t exceed your credit limit. Otherwise your balance will go back to your standard rate.
5. Your monthly payments will reduce your promotional balances first (longest duration first), so you will be charged interest (where it applies) on other balances and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.
6. Once your balance transfer interest-free period ends, your interest rate will go back to your standard rate.
7. We reserve the right to refuse a credit card balance transfer or to limit the amount that can be. transferred. If we do allow you to transfer an amount over your balance transfer limit, this will be debited to your account and interest will be charged on this transfer at 6.9% per annum fixed until paid in full. We will not charge a handling fee.
8. We can’t accept transfers from cards or loans issued by companies in the Barclays Group. You should continue to make payments to your other lenders until we have confirmed that the balance has been transferred. If you choose to close your account with other lenders, please let them know in writing.

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