| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. |
| APR |
Typical APR variable |
| Other interest rates |
|
Introductory Rate
Effective |
Introductory Rate
Simple |
Monthly Rate |
Annual Rate Effective |
Annual Rate Simple |
| Retail Purchases |
n/a |
n/a |
|
|
|
| Cash Advances |
n/a |
n/a |
1.805% |
23.9% |
21.660% |
| Balance Transfers |
|
|
|
|
|
|
|
|
|
| Interest-free period |
Up to 56 days for purchases when you pay your balance in full every month by the due date. There is no interest free period for Balance Transfers or Cash Advances. |
| Interest charging information |
Purchases - if you don't pay the statement balance in full by the due date we will charge interest on each transaction, from the date the transaction is charged to your account until it is paid in full. |
| Cash Advances - interest is always charged from the date of each transaction until paid in full. |
| Balance Transfers - interest is always charged from the date of each transaction until paid in full. |
| Application of Payments |
If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate. Please refer to "Application of Payments" section in your Agreement for a full breakdown. |
| Minimum repayment |
Monthly minimum repayments of £5 or 2% of the balance (whichever is greater). |
| Amount of credit |
Minimum Credit limit £250, maximum credit limit subject to status |
| Fees |
Annual Fee is £0.00. |
| Charges |
2.5% handling fee (minimum £3.00) of the amount of each cash advance (includes cash withdrawals and purchases of foreign currency and travellers cheques), (minimum £5), 2.75% administration charge on non-sterling transactions, a fee of £5 to stop a cheque, first statement date change is free, subsequent changes £10, copy vouchers £5 and copy statements £5. |
| Default charges |
- £12 if you exceed your credit limit
- £12 if you pay late
- £12 if a cheque for a Balance Transfer is returned unpaid
- £12 if any payment is returned unpaid
- £12 if we serve a Default Notice |
Repayments
| Illustrative Examples |
For purchase of £1,000 on your marbles Credit Card. |
| Monthly Payment |
Minimum payment each month |
£50 payment each month |
£100 payment each month |
| Taking into account any introductory rates, how much interest will you be charged in the first year? |
£ |
£ |
£ |
| How much interest will you be charged in the second year? |
£ |
£ |
£ |
| How long would it take to clear the balance? |
|
|
|
| The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always made the payments on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated on the typical APR and introductory rates are included. |
We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance, as shown in the above example.
marbles and marbles card are trading names of HFC Bank Limited which is authorised and regulated by the Financial Services Authority. Registered office: North Street, Winkfield, Windsor, Berkshire, SL4 4TD. Registered in England No.1117305.
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