Our guaranteed rate card comes with an interest-free period of up to 51 days. The interest free period applies to all transactions including purchases, cash withdrawals, balance transfers and money transfers - both in the UK and overseas.
No, there are NO fees with the guaranteed rate card. Making at least your monthly minimum payments will be reflected on your credit report.
Conversely, failure to make monthly minimum payments or carrying a high balance on your credit card may have a negative impact on your credit rating.
The APR takes into account interest you may pay on interest if you do not pay your statement balance in full each month. There are no interest charges and no other fees. This means that you'll only be charged the same fixed monthly fee each month regardless of how you use your card.
Apart from your fixed monthly subscription fee we will not charge you any other fees, charges or interest.
This means you can use your card abroad, withdraw cash and transfer balances without ever worrying about additional fees or charges. The monthly subscription fee is a fixed monthly charge designed to give customers a predictable, fixed, monthly cost of borrowing. This does mean that the monthly fee is charged even if you pay your balance in full or if you have a zero balance.
APR is one way to directly compare the cost of borrowing between different credit cards. As a result, the true cost of borrowing may be less or more than the representative APR we display.
We will never charge you any interest on your balance — that's one of the reasons why the simple monthly fee card is so unique.
However, EU legislation requires all credit cards to show the APR to enable a like-for-like comparison. You can apply online. You will have to provide information to help us decide whether a Credit Card is suitable for you.
These give you important information about your Credit Card. You should read them carefully and take time to consider whether this is the right credit card for you. You can check your eligibility on the Money website. Although it is not required to complete your application, we encourage you to set up your Direct Debit during the application process. Setting up a Direct Debit is an easy way to ensure that you make your payments on time, which can help maintain good financial habits and improve your credit rating.
Completing the eligibility check will not affect your credit rating, and you'll find out what credit limit we'll offer you before you apply. You can apply directly here. Application success for the Credit Card is based on your credit profile and other publicly available information e. The better your credit profile the more likely you are to be accepted as a Credit Card customer. If your card account balance is zero, we can close the account and make sure your application does not appear on your credit file, putting you back in to the position you were in before you applied.
You should receive your 4-digit PIN and your card within days. Your card and your PIN will be sent separately for security reasons. You should receive your 4-digit PIN and card within days of being accepted for the card. If you were referred to our website by someone else, you may have dealt with a credit intermediary or their appointed representatives.
If so, the credit intermediary involved may have been paid to introduce you to us and may have been one of the following:. A balance transfer lets you use the credit available from your Credit Card to pay off the balances on one or more other credit cards.
You cannot transfer an amount higher than the available credit limit on your Credit Card. If you transfer a balance to a simple monthly fee card, you won't pay any additional interest or handling fees. You will only be charged your normal monthly subscription fee. This may work out to be a cheaper way to pay off your existing credit card balances.
If you transfer a balance to a guaranteed rate card, you won't pay any fees and will only be charged your normal interest rate — which is the same interest rate for purchases and cash withdrawals. In some instances, you'll be able to request a balance transfer as part of the application form for a Credit Card. Once your balance transfer request has been processed, payment will normally be received by your bank or card issuer by the end of the next working day.
Sometimes it may take longer for your request to be processed if we receive it outside business hours on a weekday after 4. If you currently pay your account in full by Direct Debit, you may want to update your account to pay either the minimum payment or another regular amount. Otherwise the Direct Debit will collect the full amount outstanding on your account including the balance transfer.
A Direct Debit mandate allows us to collect regular monthly payments from your designated bank account. You can set up a Direct Debit via your online account or the Money app. There are a number of ways to make a one-off payment. You can pay in the Money app, through your online account, via Internet Banking or over the phone. It is better for you to contact us as soon as possible so that we can put something in place to help you.
Payments can take up to five working days to show. You can check online by logging into your account. We do encourage you to make a payment or contact us to discuss your circumstances at your earliest convenience, as we will soon place a temporary hold on your card until a payment has been made. Since continuing to use your card while missing payments may adversely impact your credit score, we believe this is a good way to help you keep your account in good standing.
If you continue to miss monthly payments, unpaid monthly subscription fees or interest charges will be added to the amount you owe us, and you will continue to be charged the monthly subscription fee or interest charges.
This may be reflected on your credit report, which might make it harder for you to get credit in the future. We will not charge you any additional fees. However, we will temporarily block your card until you make the repayment to bring your balance down within your limit.
If your card has been lost or stolen, you should contact us straight away. You can change your PIN by using a cash machine. Yes, you can use your card to withdraw cash at any cash machine that displays the Mastercard symbol. We will not charge you any fees for cash withdrawals although certain cash machines may charge you for withdrawals. Yes, you can. You can check your balance, view previous statements and make payments either in the Money App Apple iTunes Store or Google Play Store or alternatively by logging into the account management section of our website.
This may not be the same as the rate on the day the transaction took place as the exchange rates vary on a daily basis. If you make a transaction in euros and it is processed today, the exchange rate we apply, including Mastercard fees, will be 0. Your statement will show the payment scheme exchange rate applied to your transaction, what date the transaction was processed and the sterling amount after currency conversion.
An example of this is an ATM where a usage fee could apply. Available on your Money app, your virtual card gives you access to everything you need to make purchases online or over the phone—simply by answering a few security questions. We will require you to enter your PIN on some occasions to protect you against fraud. You can see your current balance, recent transaction history and previous statements either via the Money app or by logging into your account on our website.
Pending transactions are authorised card transactions that have not been fully processed yet. Check my eligibility This won't affect your credit score. Cash withdrawal fee. Foreign transaction fee. Balance transfer fee. Overlimit fee. Late payment fee. Returned payment fee. Copy of statements fee.
However third party vendors may have their own charges. It may even be the start of true love. This is one of the cute ways to hint at asking her out. Use this conversation starter to start planning where you might be able to meet up together later.
If she says her favorite place in Italy, well, then maybe it's time to plan a good old romantic gesture and surprise her. It might be the craziest thing, but if you pull it off, good for you!
Remember that movie you just couldn't get enough of as a kid? Bring back those nostalgic memories by starting an exchange with this question. It's always an interesting conversation when you talk about a favorite thing or a favorite memory.
It lets you get to know the other person more. This opens the door to talking about similarities between things you're working on in your lives. This is a great question to ask when you want to know if she's a good fit for your future.
Often, a romantic relationship doesn't work out because a couple doesn't talk about their goals. When what they want doesn't match, it creates problems. Avoid that by asking this early on. I know some people hate small talk, but this might actually help you plan a good date for her. Planning ahead to the weekend gives you time to prepare for the things she likes.
It also builds excitement for the date, so make sure to live up to the hype. Look for shared passions in music or an opportunity to share new music with each other down the road. It's actually an interesting question to ask because learning about someone's taste in music lets you peek into their mind. What kind of artists does she like, and what kind of music do they make?
Knowing these helps you get to know her better. These questions are our go-to favorites. If you're ever at a loss as to how to continue texting a girl , choose one of these to inject new life into the conversation.
Playful and cheeky, this text leaves it up to her to imagine what you mean by "trouble. Keep it going with more flirty questions, and who knows? Maybe she'll be getting in trouble with you next time.
This may seem like a random question, but whatever her answer is, you can easily build on it by asking what interests her about that place. Share your travel goals and see if you have the same ones. You might even end up making plans to go there together. The subtext of this text asks whether she's willing to take risks even if she gets caught! Plus, you'll get to know how much of a rebel she is. You'll know if she's spontaneous and courageous enough to actually get in trouble.
Rick and Morty know the importance of the perfect dipping sauce Does she? This may be a random question, but it's good to ask for future reference. Once you know this, the next time you get some fries for her, you'll know to get her mayo instead of ketchup. What does she want most in her life right now, and how does that relate to you?
If she answers that her wish is to be your girlfriend, that certainly is the biggest turn of events ever. If it's not that profound, maybe she'll just wish for her celebrity crush to take her out on a date. Either way, it makes a great conversation starter. Her answer will reveal how she thinks of herself, giving you more info on how to make a connection with her. She'll definitely ask you this back, so be prepared with a witty answer to keep the talk going.
Don't go with the usual. Think of rare animals like a panther or a stingray. I don't know what kind of conversation this will lead to, but it's going to be an interesting one. Even if your dream girl is amazing at a lot of things, she's always going to have weaknesses. Knowing a girl's limits can help you understand what's most appropriate to talk about.
You can also ask her the reason for not wanting to play that particular sport. Her choice will reveal something about what she would most like to change about herself right now.
Ask her what she will first do with the superpower she chose. If she wanted to fly, ask where she'd go. If she wanted to have super strength, ask what she'd try to lift first. When she asks you what superpower you want to have, say that you want the ability to have super speed so you can be there for her whenever she needs you. If that doesn't make her smile, I don't know what will.
You can bond over mutual annoyances with this text. Get her talking about all the overrated and overhyped trends the kids are doing nowadays. Share your pet peeves as well, and see if she hates the same things you do. She'll feel comfortable sharing her thoughts with you if she knows you like listening to her rant about stupid things. After you've broken the ice with a conversation starter , it's time to start flirting with her over text. First, take these tips from her , and start using The subtext of this asks: "What would you do if you could get away with it?
But, it wouldn't be the worst thing to know what things she would do if she could get away with it. If she answers "yes," she may not want to tell you what — making for a fun guessing game of trying to figure it out.
A flirty question like this invites a follow-up question of: "Would you do it again with me? This might be one of my favorites because it lets you gauge where you're at as far as her comfort levels go. Sometimes, conquering your biggest fear starts with taking steps outside your comfort zone. Get her talking about her little wins and praise her for them. It carries a powerful subtext: What has her love life been like? Find out what she did to resolve her feelings. If it involved letting one person go, ask how she did it.
You'll see how she values people who value her and how she makes decisions. You'll find out whether she has a little bit of "bad girl" in her with this personal question.
You can also ask her how she felt about it and if it's something she still thinks about to this day. You can even ask her why she felt the need to break that person's heart. That way, you can avoid doing the same thing. This is a cute question to ask since she'll automatically laugh when you ask. Strictly because it's cute, and she'll probably have to try and do it for you. Pair it with a comment like, "I know it's supposed to be funny, but you just look so cute when you try. This is a sly way of asking her about her body without it being obviously sexual.
Dirty questions only become dirty if you're creepy. So, ask her respectfully and don't pressure her to answer if she doesn't want to. If she does respond, make sure that she's comfortable talking about it. If she looks a little queasy, change the subject and find another topic that she's okay with. Mark Twain once said that "humor is mankind's greatest blessing. Being willing to put yourself out there and try to make someone laugh is a huge sign of confidence and a big turn-on for women.
Equipping yourself with a few funny questions to ask is a sure way to keep your chat going smoothly. This is a funny but high-risk question. Save this one for when the talking is already going very well. Ask carefully because she may think this is the weirdest thing she has ever been asked. You can even share your pick to make her feel comfortable about sharing hers. And how would you want to be tied? The funny and flirtatious scenarios you can make up out of this are nearly endless. You can even act it out as if you're tied to each other.
Say things like, "If we never get out of this, I want you to know that your dog peed on me the other day, and I never said anything. If the conversation is getting a little boring, you should try this one out. There's still a place for good one-liners and rhetorical jokes, too!
You could never go wrong with a good old funny question. Try asking this in a serious face and see if she can answer without laughing. Does she have a collection of Pusheen stuffed animals? A complete Pokedex? No matter what it is, you can kind-heartedly poke fun at her obsession.
A guilty pleasure here and there never hurt anyone, so make sure not to make fun of her too much.
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