You can apply for an evans card providing that you can say ‘yes’ to the following statements:

I am 18 years or over and have been a permanent resident in the UK for the last 12 months.

I have a good credit history with no previous defaults or County Court Judgements.

I have a current UK bank account and a registered UK telephone number.

My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.

I do not already have an evans card.

 

We're one of the first companies to have made our account card application an entirely online process. It's a massive improvement for you because it takes just a few minutes to apply. There's no paperwork involved and instead you simply accept the evans card agreement online. It means you don't have to wait for us or send us anything in the post, and your card will arrive in 7 - 10 days. To apply for an evans card click on the Apply Now Button, and you can apply online, receive a quick decision and if you are accepted, sign your credit agreement straight away. There’s no paper work involved!

Your application will take you a few minutes to complete. To ensure your application does not take longer than necessary, have your address, employment details and Debit Card details to hand.

When you apply to us to open an account, we will check the following records about you and others:

a) Our own;
b) Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders and this may affect your ability to obtain credit for a short while. They supply to us both public (including the electoral register) and shared credit and fraud prevention information;
c) Those at fraud prevention agencies (FPAs). We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your Account with us.

If you tell us you have a spouse or financial associate, or a link has already been recorded by CRAs, applications for credit by either of you (separately or together) will take the other's financial information into account and will be affected by it. This linking will continue (covering any other names used by both of you) until you, or the person who is financially linked with you, successfully apply to CRAs to be disassociated.

We may also use credit scoring and automated decision making systems when considering your application and managing your account. This may involve further searches at CRAs. These searches will not affect your ability to obtain credit.

1) Information on applications will be sent to the CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may not be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

2) If you give us false or inaccurate information and we suspect or identify fraud we will record this and will also pass this information to FPAs and other organisations involved in fraud and money laundering prevention.

Please telephone us on 0871 522 5146 if you want details of the CRAs and FPAs we use. Calls cost 10p per minute plus network extras. Calls may be monitored and recorded for training and security purposes. You have a legal right to these details.

You can obtain your credit history by contacting one or all of the following agencies:

 

Experian:

Experian
PO Box 8000
Nottingham
NG80 7WF

0844 481 8000

www.experian.co.uk

Equifax:

Equifax Credit File Advice Centre,
PO Box 3001,
Bradford,
BD1 5US

0844 335 0550

 

or log on to www.myequifax.co.uk

Call Credit:

Call Credit
PO Box 491
Leeds,
West Yorkshire,
LS3 1WZ

0870 060 1414

www.callcredit.co.uk

You normally get a quick decision online, in certain cases you may be referred and we will contact you for further information.

If you are not accepted for an evans card this time, you can try again any time if your circumstances change. However, you should be aware that each time you reapply we will perform Fraud and Identity checks, which are recorded by the Credit Reference Agencies ("CRAs")

.

We will use and disclose Personal Information in accordance with the Credit Agreement and the Additional Conditions in the section headed "Use of personal information".

Yes, if you have been accepted for an evans card, you will be able to use the card as soon as you've received it and activated it. This is to reduce the risk of your card being intercepted and misused on its way to you. To activate your card call 0800 915 2205 Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm. Please note that calls may be recorded and monitored for training and security purposes.

Free additional card - share all your Card benefits with a partner or family member at no extra cost. Additional cardholders must be aged 18 and over. They will share your account and credit limit. You’ll be responsible for all use of the Card by the additional cardholder and you’ll have one record of all transactions made on the Card. To apply, call 0871 522 5900 (calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras).

If you do not receive your evans card within 7-10 days of a successful application, you should make us aware by calling Customer Services on 0871 522 5900. Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. Every effort will be made to ensure that your card reaches you safely and as quickly as possible.

Santander Cards UK Limited is the credit provider for the evans card. If you'd like to find out more, please visit Santander Cards UK.

Call 0800 915 2205. Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm. Calls may be recorded and monitored for training and security purposes.

If you have an evans card, you will be able to use your card and earn points in-store and online at evans and across the Arcadia Group, including: Bhs, Burton, Dorothy Perkins, Miss Selfridge, Outfit, Topshop, Topman and Wallis.

If you have an evans credit card you will also be able to use your card and earn points wherever you see the MasterCard® logo both in the UK and abroad, online and on the high street.

You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.

Your credit limit will be communicated to you after you have signed your agreement and is subject to your individual circumstances. Please call Customer Services on 0871 522 5900. Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) for any queries.

Yes, you will earn points on all your purchases with your evans card, excluding the purchase of gift cards. The minimum purchase required to earn points is £1.

You will earn points at the rate of 1 point for every whole £1 spent when you use your evans card in participating evans stores and on the evans website evans.co.uk.

You will earn points at the rate of 1 point for every whole £2 spent when you use your evans card in participating Arcadia Group stores which are currently Bhs, Burton, Dorothy Perkins, Miss Selfridge, Outfit, Topshop, Topman and Wallis.

If you have an evans credit card you will earn points at the rate of 1 point for every whole £3 spent for all other purchases made with your MasterCard™

Your monthly statement will show your current evans card points balance.

Your evans card points will be turned in to evans card vouchers, which will be sent out on a quarterly basis (normally March, June, September and December).

evans card vouchers are issued at the rate of £1 for every 100 points collected. A minimum of 100 points must be earned to receive a voucher and any remaining points will, at our discretion, be carried forward and count towards future evans card reward vouchers.

Your evans card reward vouchers will expire on the expiry date shown on the voucher (6 months from the date of issue). Expired vouchers are not valid and will not be replaced, nor will points to which they relate be reinstated.

evans card vouchers may only be redeemed at participating evans stores, (excluding online and catalogue purchases) and must be handed over at the point of sale and the balance of any purchases must be made with an evans card.

1. For the purposes of the Loyalty Scheme, participating evans stores are all evans stores in the United Kingdom, Isle of Man & the Channel Islands (including other stores as notified from time to time) and do not include stores in Eire. Evans credit cards will be accepted as tender in evans or Arcadia Group stores in Eire or in selected sites e.g. some department stores but the evans card points earned will be at the standard MasterCard rate i.e. 1 evans card point for every £3 spent. Purchases through any evans stores outside of Great Britain and/or purchases of Financial Services will be treated as made outside of Participating evans stores.

Yes, you can manage your account online. If you have any account enquiries simply call our Customer Helpline on 0871 522 5900* and our Advisors can assist you. Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. 

Opening times: Monday & Tuesday 8am - 8pm, Wednesday – Friday 8am – 9pm, Saturday 8am – 7pm, Sunday 9am – 6pm

If phoning from abroad and you have a MasterCard™, please call (+44) 20 8181 0000* Opening times: 24 hours a day, 7 days a week

*Please have your account number ready. To keep service quality high, your call may be recorded and monitored

For information on how to manage your account please refer to the back of your statement

at a bank
Just take the payment slip provided on your statement to any bank. There should not be a handling fee at your bank or Lloyds TSB. Please write your cheque out to Santander Cards UK Limited and put your account number on the back. Payments should be made 5 working days before the due date.

by post
Write your cheque out to Santander Cards UK Limited and put your account number on the back. Then just post the cheque and your payment slip in the envelope provided in your statement, without any staples or paper clips. The address for payments is: PO Box 848, Liverpool L71 2XX. Payments should be made 7 working days before the due date. Please add extra time at bank holidays or Christmas.

phone / internet banking
Contact your bank, using the bank account number and sort code given on your latest statement.
Payments should be made at least 5 working days prior to your due date.

by direct debit
Set up a Direct Debit by calling our Customer Helpline and your payments will be automatically debited on time.

at any evans store
Just use the payment slip provided and pay by cash. Payments should be made 5 working days before the due date.

For more information simply call Customer Services on 0871 522 5900 Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. If you want to pay more than the minimum monthly payment, or pay off the outstanding balance in full, you can just complete the payment slip at the bottom of your statement. You can take your payment into any bank or post to the address above. Extra payments must reach us at least four days before your Direct Debit is due, to allow us to cancel it for that month.

You can make additional payments to your account at any time using the standard payment options detailed above. However, extra payments must reach us at least four days before your Direct Debit is due to allow us to amend or cancel it for that month.

If you request an increased credit limit, we will consider such factors as your payment history and when your last increase was. We may also use credit referencing to consider your request.

Yes, call Customer Services on 0871 522 5900 (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras, calls may be recorded and monitored for training and security purposes), to reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance in writing.

Please contact Customer Services straightaway on 0871 522 5900 (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm,  calls cost 10p per minute plus network extras, calls may be recorded and monitored for training and security purposes).

If you need to change your personal details you should call Customer Services on 0871 522 5900. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm. Calls cost 10p per minute plus network extras). If you wish to make a change to your name you must write to us providing a copy of a legal document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: Santander Cards UK Limited, Customer Services Department, PO BOX 700, Leeds LS99 2BD.

Yes, for a partner or family member. You will be given the opportunity to do this when you apply. If you are already a cardholder, you can call Customer Services on 0871 522 5900. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras).

To cancel your additional cardholder, call Customer Services on 0871 522 5900. Calls may be recorded and monitored for training and security purposes (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras).

Unfortunately this is not possible.

To avoid your card and account falling into the wrong hands, you should sign the back of your card as soon as you receive it. If you have been accepted for an evans credit card you also need to activate your card. You also need to memorise and destroy your PIN as soon as your receive it and never write it down, or give it to another person. If you change your PIN, make sure you choose it carefully. Never give your card, or account number to anyone else, and don’t be visible when entering your PIN at a Chip and PIN terminal. If you have reason to suspect that someone has unauthorised access to your account, you should report it to us immediately on 0871 522 5900. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras).

Please contact Customer Services straightaway on 0871 522 5900. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras).

If your card is lost or stolen, you should report this to us immediately by calling Customer Services on 0871 522 5900 immediately. Calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras.

The estimated amount gives you an indication in advance of how much interest you could be asked to pay on your next statement, and will help you manage your finances more effectively. The estimated amount is based on the following assumptions:

You only pay the minimum payment amount shown on your statement;

Your balance doesn't increase before your next statement date due to any more purchases, cash advances or Balance Transfers;

The minimum payment is applied to your account on the due date;

The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now;

The amount takes no account of any delayed payment promotions we may offer in the period ahead.

 

No, there is no annual fee for the evans card.

You will be charged 3% for cash transactions with a minimum fee of £3. Interest is charged from the date added to account.

The Representative APR for the evans card is 29.9% APR variable. 51% of people who apply and are accepted for an evans card will receive a rate less than or equal to the standard APR.

The minimum credit limit you will receive with your evans card is £500. Your credit limit will be communicated to you after you have signed your contract agreement and is subject to your individual circumstances.

The minimum payment will be the sum of (i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit, subject to this being a minimum of £5.  If the total outstanding balance is less than £5.00, then the minimum payment due will be the total outstanding balance.

In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy.  In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around Credit Card / Store card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing

If you do not pay the Account balance in full in any month, we will apply your payment to the statemented Transactions as follows:

1. It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2.  If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions.  If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date.

Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above. We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

If you have an evans credit card, you can use this at any ATM where MasterCard® is accepted - more than one million ATMs in over 210 countries and territories. For more information visit www.mastercard.com.

You will be charged 3% for cash transactions with a minimum fee of £3. Interest is charged from the date added to account.

There's a 2.75% charge when you use your evans credit card for transactions in a foreign currency (including purchase of foreign currency and travellers’ cheques). This is a foreign currency transaction fee. The charge will be automatically added to the transaction total and will not appear separately on your statement.

Yes, you can transfer balances from a number of accounts, and account providers – providing that they are UK store card or credit card balances. Subject to approval.

To arrange a Balance Transfer you should call 0871 522 5900. Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm). You can also transfer your balance when you call to activate your card.

Balance Transfers take no more than 7-10 working days to process.

You can ask to transfer any amount, as long as it's over £100 and less than 95% of your available credit limit.

You can transfer a balance on behalf of your additional cardholder within the same criteria as for personal balance transfers.

A handling fee of 2.99% of the total amount transferred will be charged each time you make a transfer with no minimum. This fee will be shown on your next monthly statement.

Your PIN will be sent to you by post separate from your card. When you receive it you should memorise it and destroy it. Never write it down or tell it to anybody else.

You can change your PIN at the following cash machines; Lloyds TSB, Nat West, Alliance and Leicester, Halifax and Royal Bank of Scotland.

You'll have three chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly three times in a row your PIN will be locked and you'll need to call Customer Services on 0871 522 5900. Calls may be recorded and monitored for training and security purposes. (Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm, calls cost 10p per minute plus network extras) to request a new PIN.

Only if you have a evans credit card. The evans card does not require a Chip and PIN.

Your card will be sent to you with accompanying information to state that it is a Chip and PIN card, and provide you with essential information about using Chip and PIN.

Chip and PIN has been introduced in some countries. Where this is not the case, you will be asked to sign a receipt as before. Therefore, please ensure you still sign the back of your card when you receive it.

No. Chip and PIN replaces using a signature to confirm transactions - as you haven't signed for these in the past, you won't need to enter your PIN.