2. What happens if I pay my balance in full each month via Direct Debit?
If you have an existing Direct Debit that pays your full statement balance each month, please note that this will mean that any Buy Now Pay Later Balance will also be collected. If you want to change this, please speak to our Customer Service Team on 0333 220 2503.
3. How do I change my payment method or Direct Debit details?
Please speak to our Customer Service Team on 0333 220 2503. You can change your Direct Debit to take the minimum amount due, the full statement balance, or you can set a specific payment each month as long as it is equal to or greater than the minimum due.
4. What happens if I do not make my minimum payment in full and on time or go over my credit limit?
If you do not make at least your minimum payment in full and on time or if you go over your credit limit your Buy Now Pay Later balance will be transferred to your Standard Balance. Your promotional rate will be withdrawn and you will pay the standard purchase and the balance will be included in the minimum payment calculation
8. Do I have to make payments during the offer period?
No payments are required for your Buy Now Pay Later Balance during the offer period, however you will have to make at least the minimum payment as set out in your statement each month if you have a Standard Balance or if you have payment protection insurance on your account.
9. When does the Buy Now Pay Later offer period end?
The Buy Now Pay Later period ends 3 calendar months from the purchase date. At that point, the balance will be moved to your Standard Balance and will start accruing interest at the standard purchase rate. It will also be included in your minimum payment calculation. You will be made aware of this in advance on your statement.
11. How will PPI premiums be calculated if I have a Buy Now Pay Later balance?
Your PPI premiums will be calculated on your standard balance and your Buy Now Pay Later Balance, which means both your Buy Now Pay Later Balance and your Standard Balance is protected should you need to make a claim under your payment protection insurance.