GE Money - Evans : card summary

The information below summarises key features of your card and is not intended to replace any terms and conditions.

Other interest rates	Introductory Rate	Monthly Rate	Simple Annual Rate
Retail Purchase	N/A	1.527%	18.326%
Cash Transactions ¹	N/A	2.207%	26.478%
Balance Transfers ²	0% p.a. for 6 months ²	1.527%	18.326%
Interest free period	Maximum 56 days for purchases if you pay your balance in full and on time.
Interest charging information	The periods over which interest are charged are as follows:
	...	From	Until
	Retail Purchases* Cash Transactions Balance Transfers*	Date of transaction Date of transaction Date of transaction	Repaid in full Repaid in full Repaid in full
	*Interest free period only applies to introductory rate.
Allocation of payments	We will apply payments we receive to your Account in the following order: 1. Insurance premiums; 2. Interest, Charges or fees (in that order) 3. Balance Transfers and Retail Purchases (exluding Buy Now Pay Later Transactions) on which either no interest is being charged or is being charged at an introductory or preferential rate. Those with lower rates being paid first. 4. Other Balance Transfers 5. Retail Purchases 6. Cash Transactions 7. Buy Now Pay Later Transactions in the order they were debited to the Account See the ‘Other Financial Information’ section of customer terms and conditions for full details.
Minimum repayment	Greater of 4% outstanding balance or £4 each month. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Amount of credit	Minimum credit limit of £250, maximum credit limit subject to status.
Fees	No annual fee. Introductory Rate Balance Transfers - 2% (minimum £5) Special Transaction Balance Transfers – we will tell you the amount of the fee when offering these to you
Charges	Cash transactions - 3% (minimum £3.00) Paper copies of statements - £3.00 Overseas Transactions (including cash transactions) - 2.75%
Default charges	Late payment fee - £12.00 Administration Fee for returned cheques or direct debits - £12.00 Over limit Fee - £12.00 Trace Fee – £25.00 (applied if you do not inform us of a change of address and we have to trace you)
¹Applies to Balance Transfers made within six weeks of signing your Agreement ²Where permitted on the account

No Quibble Guarantee®

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.

Information about Money – Moneybasics™

Simple clear independent information about money. Case studies, facts and useful contacts to help you make good money decisions. www.moneybasics.co.uk

Credit is subject to status to UK residents aged 18 years and over. Credit provided by GE Money a trading name of GE Capital Bank Limited, 6 Agar Street, London, WC2N 4HR. Registered in England. Company No. 1456283.

Terms and Conditions 1. All Cardholder benefits and rewards are subject to terms and conditions. We have the right to withdraw, cancel or change the benefits at any time, wherever possible with written notice. 2. evans essentials vouchers will be sent out in the account statement on a quarterly basis – normally January, April, July and October.
3. Double points offer applies to all Retail Purchases made on your evans essentials card/credit card for 3 months starting from the date you sign your agreement. 4. This service is only available where a product in the size of your choice is not available in-store and is in the warehouse. Items must be paid for when ordering. Free P&P applies to standard delivery service only (normally 2-3 working days) and is only available to evans essentials cardholders paying with an evans essentials store card or credit card. This service is not valid for online purchases and is not available for the purchase of giftcards or vouchers. Normal refund policy applies. For the purposes of the Loyalty Scheme, “Participating evans Stores” are all evans stores in the United Kingdom (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 network stores in Eire, but the evans essentials points earned will be at the standard MasterCard rate (spend £2 and earn 1 essentials point). In some UK department stores, it will only be possible to earn essentials points at the standard Mastercard rate when buying evans or other Seven network items with the evans essentials credit card. Purchases through www.evans.co.uk, through evans stores outside of Great Britain and/or purchases of Financial Services will be treated as made outside of Participating evans Stores. The evans essentials credit card is issued by GE Money, a trading name of GE Capital Bank Ltd pursuant to License by MasterCard International. Registered in England No. 1456283. Registered Office 6 Agar Street, London WC2N 4HR.