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SUMMARY BOX

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

APR

• Typical 29.9% APR variable

Other interest rates

Introductory Rate*

Monthly Rate

Annual Rate

Retail Purchases

N/A

2.207% p.m.

26.478% p.a.

Cash Transactions¹

N/A

2.207% p.m.

26.485% p.a.

Balance Transfers¹

N/A

Interest Free Period

Interest free period on Retail Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on Retail Purchases if you pay your balance in full and on time.
Interest free period on Balance Transfers only applies to the introductory rate period (if any). Otherwise, there is no interest free period on Balance Transfers or Cash Transactions.

Interest Charging Information

You will not pay interest on new purchases if you pay your balance in full and on time Otherwise, the period over which interest is charged will be as follows:

	From	To
Retail Purchases	Date added to Account	Repaid in full
Cash Transactions	Date added to Account	Repaid in full
Balance Transfers	Date added to Account	Repaid in full

Allocation of Payments

If you do not pay off your balance in full, payments we receive will be applied 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)

Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the 'Other Financial Information' section of the Credit Agreement for full details.

Minimum repayment

• The full balance outstanding if it is less than £4.00 otherwise 4% (minimum £4.00) of the outstanding balance.
• If you only make the minimum payment it will take longer and cost more to clear your balance.

Amount of Credit

Minimum credit limit

£250

Maximum credit limit

Subject to Status

Fees

• No annual fee

Charges

Introductory Rate Balance Transfers

N/A

Special Transaction Balance Transfers – we will tell you the amount of the fee when offering these to you.

Cash Transactions

3% (minimum £3.00)

Paper copies of statements

£3.00

Overseas Transactions (including Cash Transactions)

2.75%

For further details, please refer to your Credit Agreement Additional Conditions

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)

Credit Balance Fee

Up to £10 (applied if you have a credit balance on your Account for three consecutive months)

¹Where permitted on the account

* To benefit from the 0% rate you must make your required monthly payments on time and not exceed your Credit Limit. If you fail to do so, we may charge the standard Retail Purchases rate instead of the introductory rate

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 5500 (calls may be recorded and monitored for quality and security purposes. 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.

Credit is subject to status to UK residents aged 18 years and over. Credit provided by Santander Cards UK Limited. Registered in England and Wales. Registered number: 1456283. Registered office: 2 Triton Square, Regent's Place, London NW1 3AN. Retailer is Evans Ltd. Registered Office: 70 Berners Street, London, W1T 3NL.

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 Santander Cards UK Limited. Registered in England and Wales. Registered Number 1456283. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN.

Credit is subject to status to UK residents aged 18 years and over. Credit provided by Santander Cards UK Limited, 2 Triton Square, Regent's Place, London NW1 3AN. Registered in England and Wales. Registered number 1456283. Retailer: evans Ltd. Colegrave House, 70 Berners Street, London, W1T 3NL. Registered in England. Company number 2251251