This fixed rate credit card can be used for making purchases and paying them off gradually.
18.3% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.3% per annum (variable).
Our credit cards are only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
We are the bank for people with purpose. We were born from the co-operative movement over 145 years ago. Where others saw obstacles, we saw opportunity; a chance to make what worked for one, work for all.
We're proud to be the only UK high street bank with a customer-led Ethical Policy. Our customers know their money will be kept safe and not be used in a way that conflicts with their values and ethics.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
You can help to minimise the amount of interest you pay in the following ways:
1. Setting up a Direct Debit.
2. Making at least the minimum monthly payment.
OR
Paying more than the minimum monthly repayment. This means you’ll be charged less interest and you’ll repay what you owe more quickly.
You will need to pay whichever is the greatest amount out of:
If the balance shown on your statement is less than £5, your minimum payment will be all of this amount.
The amount we charge for withdrawing cash – including foreign currency, Travellers Cheques, gambling transactions and loading pre-paid cards.
What we charge for sending a copy of a past statement to you.
What we charge if we do not receive a payment, or we receive a payment after the due date.
What we charge if you spend more than the credit limit we've agreed with you.
What we charge if you make an uncleared Direct Debit or cheque. For example, if you do not have sufficient funds in your account to make a payment.
Applied when you make a purchase using your debit card in a foreign currency, or if you make a cash withdrawal in a foreign currency outside the UK using your debit card.
The charge for withdrawing cash when overseas.
£500.
This depends on how much we think you can afford to pay back on your card.
Please request a limit to cover your needs, including balance transfers and any purchases you intend to make. We will then carry out a credit worthiness check and inform you of your credit limit.
The amount you request will not affect your credit score or our lending decision.
After looking at your personal circumstances, we may decline your application. Being refused for a credit card can have a negative effect on your credit rating. If this happens, you should avoid applying for the same card again.
All applications, positive and negative, will show up on your credit file.
For free and impartial advice, please see the following website article: Money Advice Service.
Important information, Pre-contract credit information, Terms and Conditions
Download Important information, Pre-contract credit information, Terms and Conditions PDF 502KBFeatures, benefits and summary box
Download Features, benefits and summary box PDF 141KBHow we use your personal information
Download How we use your personal information PDF 100KBOur lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF 61KBThe Co-operative Bank reserves the right to decline any application.
Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the ones advertised.
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
Per annum is a quicker way of saying ‘for each year’.
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Per annum is a quicker way of saying ‘for each year’.
Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.
When a rate is advertised as variable, it means that it could go up or down.
Fixed means your interest rate won’t change for a set period of time. You should always check to see how long your fixed rate lasts.
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
Per annum is a quicker way of saying ‘for each year’.
When a rate is advertised as variable, it means that it could go up or down.
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.
When a rate is advertised as variable, it means that it could go up or down.
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Per annum is a quicker way of saying ‘for each year’.
Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.
When a rate is advertised as variable, it means that it could go up or down.
Fixed means your interest rate won’t change for a set period of time. You should always check to see how long your fixed rate lasts.
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
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If you'd like more help & information, you can: