Whistles

This page summarises our main Whistles Card features. It does not replace any legal conditions and we ask you to read the full Terms and Conditions for more information.

APR

Typical 24.9% APR variable

Interest Free Period

Purchases - up to 56 days on purchases if your balance is paid off by the 'payment to reach us date'. We will charge interest from the date of the purchase until the date that the outstanding balance is repaid in full. Promotional period - six months on all purchases of £199 or more. If the full balance is not cleared within any applicable Promotional period. Interest is charged on the outstanding balance at the annual rate shown. Interest is not backdated , it is only charged from the day after the expiry date of any Promotional Period.

Allocation of Payments

Any payment that you make which is insufficient to repay the full balance on your account will be applied so that the minimum payment amount is directly apportioned between Promotional Rate balances and balances which do not qualify for the Promotional Rate. If you pay more than the minimum payment amount then the additional amount will be allocated to pay interest bearing balances first and then to pay Promotional Rate balances. When payments are allocated to interest bearing balances they will be applied in the following order interest, fees and then purchases.

Minimum Payment

Every month you must pay at least the minimum amount set out on your statement. This will be either 4% of the total amount charged to your Whistles card, or £4, whichever is greater.