PRE-CONTRACT CREDIT INFORMATION
(Standard European Consumer Credit Information)
1.Contact details
Creditor.
Address.
Telephone number(s).
Web address.
Credit intermediary
Address
2. Key features of the credit product
The type of credit
The total amount of credit.
This means the amount
of credit to be provided
under the proposed credit
agreement or the credit limit.
How and when credit would
be provided.
The duration of the credit
agreement.
Repayments.
Your repayments will pay
off what you owe in the
following order.
Barclays Bank UK PLC
Barclaycard Centre, 1234 Pavilion Drive, Northampton,
NN4 7SG, United Kingdom
0800 151 0900
www.barclaycard.co.uk
N/A
Credit Card
Your credit limit will be based on our assessment of
your circumstances.
Once you receive your card you can use it (or the card
details) to make purchases and cash withdrawals, and
you can ask us for balance transfers on the terms of the
agreement.
The agreement will have no fixed or minimum duration -
it'll continue until you or we choose to end it.
You must make a minimum payment each month. This
will be the highest of:
• £5 (or the full outstanding balance if it's less than
£5)
• 2.25% of your main balance plus any instalment
plan payments due for that month (if you have any
instalment plans on your account)
• An amount equal to any interest, default fees or
account maintenance fees that have been added to
your account since your last statement, plus 1% of
the rest of your main balance plus any instalment
plan payments due for that month (if you have any
instalment plans on your account)
If you don't pay the total outstanding balance in full
by the payment due date, we'll apply the amount you
do pay, to make any instalment plan payments due
for that month. We'll then apply the amount to reduce
higher interest rate balances before lower interest rate
balances. If the standard balance includes default fees,
we'll apply your payment to the default fees before the
rest of the standard balance has been repaid. Finally,
we'll apply it to any remaining instalment plan balance
you may have.

The total amount you will
have to pay.
This means the amount you
have borrowed plus interest
and other costs.
3.Costs of the credit
The rates of interest which
apply to the credit agreement Your simple standard and cash interest rates will
We explain what we mean by main balance, standard
balance and instalment plan balance in section 3, Costs
of the credit, below.
Let's say that as soon as you get your card, you use it
to make a purchase of £1200.00 - interest is charged at
the standard rate. You then choose to repay us in full
by making 12 equal monthly instalments to cover the
purchase amount, plus the amount needed to cover the
monthly interest.
Assuming there are no changes to the interest rate or
charges, this would make a total amount of £1329.68 to
repay on your account, and the APR would be 21.9%
variable.
We charge different interest rates on different balances.
move up and down in line with changes to the Bank of
England Base Rate. Base Rate changes won't apply to
your promotional or instalment plan interest rates.
• Standard balance: Simple standard rate 19.95%
p.a. (variable). Because we charge interest on
interest, this gives a compound equivalent rate of
21.9% per year (variable). Your standard balance
is made up of everything, other than your cash,
promotional balances and instalment plan balances
added to your card account.
• Cash balance: Simple cash rate 24.85% p.a.
(variable). Because we charge interest on interest,
this gives a compound equivalent rate of 27.9%
per year (variable). Your cash balance is made
up of cash withdrawals, the purchase of currency
or travellers' cheques, Cash-Like Transactions,
Gaming Transactions, and interest and charges
on those amounts. Cash like transactions include
the sending of money orders or wire transfers and
buying digital currencies including cryptocurrency.
Gaming transactions include gambling, betting
and other transactions relating to gaming, such
as purchases of lottery tickets or gaming chips or
purchases made at a gambling establishment or
website.
• Promotional balance: Your promotional balance
is made up of any transactions with promotional
terms. The following promotional rates are available
from the date that your account is opened:
Non-sterling transaction fees will not be charged
on transactions made on or before 31/08/2023.
(Standard or cash interest rates apply depending
on the type of transaction). You will get 0.25%
cashback on purchases until 31/08/2023. This will
 be credited monthly to your statement. You will get
an additional 0.25% cashback on all purchases
for the first 3 months from opening your account
referred to as ‘double cashback’. All purchases will
receive cashback unless you move the transaction
to an Instalment Plan, which will have its own terms
and fees.
When added together, your standard balance, cash
balance and promotional balance make up your main
balance.
• Instalment plan balance: This is made up of plans
that we may offer, which allow you to repay a
balance in monthly instalments over a period of
time. They're charged at 0% interest but subject
to a one off fee. It doesn't form part of your main
balance.

At the end of their promotional period, promotional

balances will be transferred to the standard balance.

If you miss a minimum payment or go over your credit

limit, we will switch anything on a promotional rate to
the standard rate before the end of the promotional
period. If you miss two consecutive payments we'll
transfer the rest of the instalment plan balance to your
standard balance and charge the standard rate.

If you pay your main balance (excluding any

promotional balance with a 0% interest rate) plus any
instalment plan payments due for that month in full by
your payment due date, the following will apply to that
month:

• We won't charge interest on new purchases,

non-Sterling cash transactions (transactions made
in a foreign currency), balance transfers or money
transfers on promotional rates that have been
added to your account since your last statement

• We'll only charge interest on your outstanding

balance from your last statement (excluding Sterling
cash transactions and related fees and interest) up
to the date of your current statement

For Sterling cash transactions we'll always charge

interest from the date they're added to your account to
the date you pay them off even if you repay your total
outstanding balance in full by the payment due date.

We may also vary your interest rates such as for a

change in your personal circumstances. But we'll
always let you know at least 30 days before making

Annual Percentage Rate of
Charge (APR).
This is the total cost
expressed as an annual
percentage of the total
amount of credit.
The APR is there to help you
compare different offers.
Related costs
Any other costs deriving from •
the credit agreement.
• £2.00 for each additional copy of a statement you
Conditions under which
the above charges can be
changed.
Costs in the case of late
payments.
Consequences of missing
payments.
the change, although we may make the change more
quickly if it's to your advantage.
21.9% APR (variable), calculated on the same basis as
the above figure for the total amount you'll have to pay.
If the APR were based on paying the cash rate it would
be higher.
£2.00 for each copy of transaction details you
request;
request;
• A fee on the amount of balance transfers, which
we'll tell you before you make the transaction;
• A fee on the amount of instalment plans, which we'll
tell you before you create the plan;
• 2.99% (minimum £2.99) cash fee on cash
transactions in Sterling;
• 2.99% Non-Sterling transaction fee on the value of
transactions made in foreign currencies;
• £12.00 if you exceed your credit limit at any time;
• £12.00 if a Direct Debit, cheque or other item is not
paid when first presented; and
• The amount of any other reasonable costs or losses
of ours from you breaking the agreement
We may change or add to our charges if we tell you
at least 30 days before making the change, although
we may make the change more quickly if it's to your
advantage.
If you don't make at least your minimum payment by the
payment due date:
• We'll continue charging you interest at the above
applicable rate on the overdue amount. We won't
change the interest rate as a result of your default,
except that you'll lose the benefit of a promotional
rate or 0% interest rate on your instalment plan as
explained above.
• You'll have to pay a default charge of £12.00 and
after 28 days you might also have to pay interest on
the default charge.
If you miss payments you'll be charged a £12.00 default
fee and more interest.
• Money held in other Barclays accounts could be
used to reduce your balance.
• You'll lose the benefit of any promotional rate.
• You may not be eligible for offer or promotions.
 • Your credit records may be affected, making it
harder or more expensive to borrow again.
• If you miss two payments in a row, you'll lose the
0% interest rate on any instalment plans.

In rare cases, legal action or insolvency proceedings

such as bankruptcy could be taken.

4.Other important legal aspects

Right of withdrawal. You have the right to withdraw from this agreement
within 14 days, starting on the day after you receive
your card.
Early Repayment. You have the right to repay all or part of the account
balance at any time.
Consultation with a Credit If we reject your application on the basis of a
Reference Agency. consultation of a credit reference agency, we'll tell you
(and give you the details of the agency consulted) with
our decision.
Right to a draft credit You have the right to request a copy of the draft credit
agreement. agreement free of charge, unless we no longer wish
to proceed with your application at the time of your
request.

5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor
Registration number. Firm Reference Number 759676
The supervisory authority Financial Conduct Authority
(b) concerning the credit
agreement
The law taken by the The law of England and Wales.
creditor as a basis for
the establishment of
relations with you before
the conclusion of the credit
agreement.

The law applicable to the The law of England and Wales applies to these terms.
credit agreement and/or the Any dispute about this agreement can be dealt with by
competent court. an English or Welsh court unless your address is in:

Language to be used in • Scotland (where it will be dealt with by the courts of

connection with the credit Scotland)
agreement. • Northern Ireland (where it will be dealt with by the
courts of Northern Ireland)

We'll only ever communicate with you in English.

(c) concerning redress
 Access to out-of-court If you have a complaint, please contact our Customer
complaint and redress Services Team on 0800 151 0900. If we don't resolve
mechanism. your complaint to your satisfaction, you may be able
to refer it to the Financial Ombudsman Service, by
writing to them at Exchange Tower, London, E14
9SR, calling 0800 023 4567, visiting their website
at www.financial-ombudsman.org.uk or emailing
complaint.info@financial-ombudsman.org.uk.

Please see the Annex to this document for information on how the Bank of England Base
Rate affects your interest rates
Annex

Bank of England Base Rate - how it affects your interest rates

Your simple standard and cash interest rates will move up and down with the Bank of England
Base Rate, and this will affect the amount you have to pay when interest is due on your
account. The Bank of England is the administrator of the Bank of England Base Rate.

If the Bank of England Base Rate is no longer available or changes significantly, we will
decide whether it is reasonable to replace it with another rate or whether to make other
changes to how we calculate interest.