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Minimum payment

Every month we will produce a statement for you which will detail your account activity and provide you with your balance and payment information.

If there is a balance on your account we will require a payment of at least the minimum amount each month. For the Warehouse card this is 4% of the outstanding account balance or £4, whichever is greater.

For the Oasis, Karen Millen or New Look cards this is 3.65% of your balance, or £3.65, whichever is the larger amount.

Your payment must be credited to your account by the 'payment to reach us by' date shown on your statement. This means that you need to make your payment before this date to ensure that it clears onto your account in time.

Interest charges

You can avoid interest charges if you pay your statement balance in full ensuring that it is credited to your account by the 'payment to reach us by' date. Again, it is important that you pay before this date so that your payment has the necessary amount of time to be processed.

If you choose to pay the minimum amount each month then your account will attract interest charges. Interest is calculated on the entire balance, on a daily basis, from the date of your transactions until the date that you pay your balance in full. We calculate and add this charge to your account on the day we produce your statement.

Allocation of payments

Any payments that you make which do not clear your debt in full will be applied to different sections of your balance in a certain order. We will apply your payment to any insurance premiums first and then any higher interest rate balances.

We will then apply the remainder of your payment to the lower interest rate balances. When payments are allocated to each different balance they will be applied in the following order: default fees and charges, interest and then purchases.

Charges

To stop charges from being applied to your account, please make your payments on time and keep your spending within your credit limit. As I’ve mentioned, payments must be made in advance of the due date to ensure that they are given the necessary time to be processed to your account.

If you move home and don't tell us your new address you may also be liable for our reasonable costs in tracing you.

There is a £12.00 charge for late payments. You will also be charged £12 if you send a cheque which is returned 'refer to drawer', or if there is an unpaid direct debit. You will also be charged a £12 fee for exceeding your credit limit.

We may vary charges and add new ones to reflect changes in our costs in a reasonable and proportionate manner. We will always let you know of any changes.

Keeping informed

You can check your balance or make a debit card payment to your account 24 hours a day by calling our automated system - 0371 781 3080*

Or if you are registered to manage your account online you can access your details at your convenience.