Opening a personal credit account allows you to spread the cost of the items you've bought. We'll send you a statement every 28 days, showing:
- What's been sent to you
- What you've returned
- What you've paid
- The balance remaining
- The minimum payment required
We offer a variety of payment options, but the quickest and easiest way is via our website
If you choose to make the minimum payment, or you pay less than the full outstanding balance, an interest charge will be applied to your account. This charge is calculated based on your statement's opening balance and any prior period interest due.
If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.
The exact terms that will apply to your account, including your APR (Annual Percentage Rate), will be detailed in your credit agreement. Subject to a successful online application, you can print and/or download the document to keep for future reference. If you apply via telephone, you’ll receive the document by post.