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Why do I need Credit?

There are a number of benefits associated with paying by credit as opposed to cash or cheques:

What APR (Annual Percentage Rate) will I receive?

APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.

What is the new Chip and Pin system?

The new Chip and PIN initiative is a system being introduced in the UK in 2004 to reduce counterfeit and stolen card fraud.

My Credit Card is lost or stolen. What should I do?

If you cannot find your credit cards you need to report them as lost or stolen using the emergency number provided by your credit card issuer, this will be a 24 hour/365 days a year number. If you have more than one credit card you will need to ring all the separate companies.

What is Sentinel® Card Protection Insurance?

Losing your credit cards or having them stolen can be a real inconvenience, not to mention a worry – especially if you’re abroad. The Sentinel® Card Protection scheme takes all the worry away, and with just one free phone call from anywhere in the world Sentinel® will immediately inform all your card issuers that you need replacement cards should they be lost or stolen.