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

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 essentials 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 essentials 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 quality 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

0870 241 6212

www.experian.co.uk

Equifax:

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

0870 010 0583

www.equifax.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 essentials 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 essentials account 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 quality and security purposes.

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 cost 10p per minute plus network extras. Calls may be recorded and monitored for quality and security purposes.

Additional cardholders must be aged 18 or over and share your credit limit. You are responsible for the payment of any purchases and transactions made with any additional card.

If you do not receive your evans essentials 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 quality and security purposes. Every effort will be made to ensure that your card reaches you safely and as quickly as possible.

In the unlikely event that you are not totally satisfied with your evans essentials card, please call our Customer Services on 0871 522 5900 (Calls cost 10p per minute plus network extras) and take advantage of our No-Quibble Guarantee. If you contact us within 60 days of opening your account and then pay your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees. (We may require the notification in writing) This guarantee is in addition to and does not affect any statutory rights that you may have. Calls may be recorded and monitored for quality and security purposes.

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

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

If you have an evans essentials 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.

If you have an evans essentials 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 of transaction.

There's a 2.75% charge when you use your evans essentials 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.

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 quality and security purposes.) for any queries.

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

Your monthly statement will show your current essentials points balance.

Your essentials points will be turned in to evans essentials vouchers, which will be sent out on a quaterly basis (normally January, April, July and October).

evans essentials 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 essentials reward vouchers.

Your essentials 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 essentials 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 essentials 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 essentials credit cards will be accepted as tender in evans or Seven Network stores in Eire or in selected sites e.g. some department stores but the evans essentials points earned will be at the standard MasterCard rate i.e. 1 essentials point for every £2 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.

If you're accepted for an evans essentials credit card, you can transfer UK store card and credit card balances to your evans essentials credit card from when you activate your card. Balance transfers are subject to application by the primary cardholder and the available credit limit on their evans essentials credit card. A rate of 0% p.a. for 6 months applies to balance transfer(s) that you transfer to your evans essentials credit card within 6 weeks of signing your contract agreement. At the end of the 6 months, if you haven’t paid off the balance transfer amount in full, interest will become payable on the remaining amount at your standard retail purchase rate. 

Your monthly payments will be allocated to Balance Transfers with a 0% interest rate before Balance Transfers, Retail purchases and Cash Transactions that are at a highter rate.

To Benefit from the 0% rate you must make your payments on time and not exceed your credit limit.

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. 

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 quality 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.

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 quality 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, quoting the following details:
SORT CODE: 30-00-00
BANK ACCOUNT NUMBER: 00251135.
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 or cheque only. 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 quality 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 quality 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 quality and security purposes.).

If you need to change your personal details you should call Customer Services on 0870 125 2537. Calls may be recorded and monitored for quality 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 quality 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 quality 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 essentials 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 quality 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 quality 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 quality and security purposes. Calls cost 10p per minute plus network extras.

All credit card providers who subscribe to the Banking Code must show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. 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:

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

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.

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

A handling fee of 2.99% of the total amount transferred will be charged each time you make a transfer with no minimum and a maximum of £50. This fee will be shown on your next monthly statement.

The typical APR for the evans essentials card is 19.9% APR variable. 66% of people who apply and are accepted for an evans essentials card will receive a rate less than or equal to the typical APR.

The minimum credit limit you will receive with your evans essentials card is £250. Your credit limit will be communicated to you after you have signed your contract agreement and is subject to your individual circumstances.

You must make a minimum monthly payment of £4 or 4% of the outstanding balance (whichever is greater), or the full balance if it is less than £4. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. Alternatively you can pay your balance in full using any of the payment methods listed under - How do I make a payment to my account?

We will apply payments we receive to your account in the following order:

1. Insurance Premiums;
2. Interest, Charges or Fees (other than foreign currency)(in that order)
3. Balance Transfers (those with lower rates being paid first)
4. Retail Purchases (in the order they were added to your account)
5. Cash Transactions (those with lower rates being paid first)
6. Buy Now Pay Later Transactions (in the order they were added to your Account)

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 quality 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 essentials credit card. The evans essentials account 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.