GE Money Dorothy Perkins : Summary box

Summary of the Dorothy Perkins card

Below is a summary of the key features of the Dorothy Perkins cards.The Dorothy Perkins card is provided by GE Money, a trading name of GE Capital Bank Limited. The summary below is provided for your convenience and does not form part of any agreement with GE Money. It is not a substitute for the terms and conditions.

Other interest rates	Introductory Rate	Monthly Rate	Simple Annual Rate

Purchases	NA	2.207%	26.478%
Cash Withdrawls*	NA	2.207%	26.478%
Interest free period	Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash withdrawals.
Interest charging information	The periods over which interest are charged are as follows:
		From	Until
	Purchases	Transaction date	Repaid in full**
	Cash Withdrawls	Transaction date	Repaid in full
	**If the full balance outstanding on the statement is paid and credited to the account on the day for payment shown on the statement, no interest will be charged.
Allocation of payments	We will apply payments we receive to your account in the following order: 1. Insurance premiums 2. Outstanding interest 3. Charges or fees 4. Purchases 5. Cash withdrawls See the ‘Other Financial information’ section of customer terms and conditions for full details.
Minimum repayment	Greater of 4% of outstanding balance or £4 each month. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Amount of credit	Minimum credit limit of £250, maximum credit limit subject to status.
Fees	No annual fee.
Charges	Cash withdrawals 2% (Minimum £2.50). Copies of statements - £3.00.
Default charges	Late payment fee - £12.00. If you do not inform of a change of details and we have to trace you - £25.00. Administration fee for returned cheques or direct debits - £12.00. Over Credit Limit Fee - £12.00.

*Please note that not all accounts have a cash withdrawal from an ATM facility. If cash withdrawals from ATM are available on your account you will be notified by GE Capital Bank Limited with full details of how you can take advantage of this facility.

No Quibble Guarantee:

In the unlikely event that you are not totally satisfied with your Dorothy Perkins card please call our Customer Services on 0870 124 2414 ¹ and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your account and pay off your outstanding balance with 30 days, we will close your account for you and waive the interest charges and fees ². This guarantee is in addition to, and therefore does not affect, your statutory rights.