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Barclay Card Credit Terms
Barclay Card Credit Terms
1.Contact details
Creditor. Barclays Bank UK PLC
Address. Barclaycard Centre, 1234 Pavilion Drive, Northampton,
NN4 7SG, United Kingdom
Telephone number(s). 0800 151 0900
Web address. www.barclaycard.co.uk
Credit intermediary N/A
Address.
Your repayments will pay • £5 (or the total outstanding balance if it's less than
off what you owe in the £5)
following order. • 3.25% of your main balance plus any instalment
plan payments due for that month (if you have any
instalment plans on your account)
• An amount equal to any interest, default fees or
account maintenance fees that have been added to
your account since your last statement, plus 2.00%
of the rest of your main balance plus any instalment
plan payments due for that month (if you have any
instalment plans on your account)
The total amount you will Let's say that as soon as you get your card, you use it
have to pay. to make a purchase of £1200.00 - interest is charged at
the standard rate. You then choose to repay us in full
This means the amount you by making 12 equal monthly instalments to cover the
have borrowed plus interest purchase amount, plus the amount needed to cover the
and other costs. monthly interest.
Your interest rates may also change for the reasons set
out below:
Annual Percentage Rate of 21.9% APR (variable), calculated on the same basis as
Charge (APR). the above figure for the total amount you'll have to pay.
This is the total cost
expressed as an annual If the APR were based on paying the cash rate it would
percentage of the total be higher.
amount of credit.
The APR is there to help you
compare different offers.
Related costs
Any other costs deriving from • A fee on the amount of balance transfers, which
the credit agreement. we'll tell you before you make the transaction;
• A fee on the amount of instalment plans, which we'll
tell you before you create the plan;
• 2.99% (minimum £2.99) cash fee on cash
transactions (there's no minimum fee for gaming
transactions);
• 2.99% non-sterling purchase fee on the value of
purchases made in foreign currencies;
• The amount of any other reasonable costs or losses
of ours from you breaking the agreement; and
• There is no maintenance fee for this account.
Conditions under which We may change or add to our charges for any of the
the above charges can be following reasons:
changed.
• If we reasonably consider that it makes the terms
easier to understand or fairer to you
• If we reasonably consider that the change will
benefit you or isn't to your disadvantage and
wouldn't cost you any more
• To reflect reasonable changes to the way we run
our business because of a change in the banking
or financial system, in technology, or in the systems
we use
• To reflect legal or regulatory requirements that
apply to us
The law applicable to the The law of England and Wales applies to these terms.
credit agreement and/or the Any dispute about this agreement can be dealt with by
competent court. an English or Welsh court unless your address is in:
Please see the Annex to this document for information on how the Bank of England Base
Rate affects your interest rates
Annex
Your simple standard and cash interest rates will move up and down with the Bank of England
Base Rate, and this will affect the amount you have to pay when interest is due on your
account. The Bank of England is the administrator of the Bank of England Base Rate.
If the Bank of England Base Rate is no longer available or changes significantly, we will
decide whether it is reasonable to replace it with another rate or whether to make other
changes to how we calculate interest.