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Terms and conditions

Before you apply for or accept a credit card you should always read and understand the card’s terms and conditions. Should anyone offer you a credit card application or ask you to sign up for a credit card ‘on-the-spot’ ensure that you have read a copy of the terms and conditions before committing. If you do not understand something don’t be afraid to ask for an explanation – don’t assume, always check.

The terms and conditions and the summary box will provide you with crucial guidance when comparing. There are a number of factors to consider.

Before finalising your choice of credit card, you will always have at least one opportunity to review in full the terms and conditions of the credit card. You will be sent another copy of the terms and conditions when you receive your new credit card, which you should keep in a safe place. We recommend that you also use this opportunity to ensure that you fully understand your responsibilities and obligations.

The main terms that you will find in your credit card agreement are listed below.

  • Annual percentage rate (APR)
  • Introductory rates
  • Interest free period
  • Fees
  • Default charges
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