Fees and Charges - Credit card providers may charge fees when using your card for:
- cash transactions
- non-sterling transactions
- non promotional balance transfers and money transfers
- statement copy fees.
You could pay an annual fee just for having a card, regardless of how much you spend. A single transaction may attract more than one fee. For example, for a cash transaction in a foreign currency we charge a cash transaction and a non-sterling fee.
Keep in mind that we do charge interest on fees, except annual fees, purchases during the interest free period and default charges. For awareness, no interest will be charged on default charges within the first 28 days after notice is given that these are payable. After this time interest will be charged.
Default charges may apply if:
- you miss or your payment doesn’t reach us on time
- your payment is returned unpaid.