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B Credit card…
Representative example | ||
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Rate of interest 9.9% per annum (variable) | Total amount of credit £1,200 | Representative 9.9% APR (variable) |
All credit facilities are subject to status. The actual credit limit assigned to your account will vary depending on our credit assessment of you. You can transfer a balance up to your full available credit limit with us. You cannot transfer balances from other Clydesdale or Yorkshire Bank products. Applicants must be aged 18 or over, reside in the UK and not currently hold a B credit card.
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
Interest Rates | Introductory Rate | Monthly Rate | Effective Annual Rate |
---|---|---|---|
Purchases | N/A | 0.790% | 9.9% |
Balance Transfers | N/A | 0.790% | 9.9% |
Cash Advances | N/A | 2.075% | 27.9% |
You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:
From | Until | |
---|---|---|
Purchases | Date debited to your account | Repaid in full |
Balance Transfers | Date debited to your account | Repaid in full |
Cash Advances | Date debited to your account | Repaid in full* |
*If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.
If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.
The minimum payment is an amount equal to the greater of:
Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Minimum Credit Limit - £500.00
Maximum Credit Limit - Subject to status
No annual fee
Cash advances / Cash Fee - 3% (minimum £3.00)
Balance Transfers – 0.00%
Copies of Statements or Vouchers – £5.00
Payment Scheme Exchange Rate - Rates can be found at www.mastercard.com/global/currencyconversion/index.html
One of more of the following may apply:
Non-Sterling transaction fee (Forex) – 0%
Cash fee – 3% (minimum £3.00)
Late payment or Over limit fees – £12.00
Information correct as at 24th May 2017
You spend £1,000 on 1st January and make no other transactions
The following example highlights the difference between only paying the minimum and a fixed amount each month on your B credit card.
Monthly payment
Without taking into account any introductory rates, how much interest will you be charged in the first year?
Minimum payment each month | £50 each month |
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£81.32 | £65.95 |
How much interest will you be charged in the second year?
Minimum payment each month | £50 each month |
---|---|
£79.03 | £22.85 |
How long would it take to clear the balance?
Minimum payment each month | £50 each month |
---|---|
16 years 9 months | 1 year 10 months |
Please note, the above example assumes the following: Representative 9.9% APR variable.
The transaction takes place on 1st January and you make no further transactions.
Your statement is produced on the 1st of each month. You always make a payment on the due date.
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You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.