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1. BALANCE TRANSFER CREDIT CARD FULL
2. BALANCE TRANSFER CREDIT CARD VERIFICATION
3. BALANCE TRANSFER CREDIT CARD PLUS

BALANCE TRANSFER CREDIT CARD PLUS

(b) any default charges (this is a charge that applies where you've broken the agreement, for example, you pay late) plus (a) interest added to the account since your last statement plus It'll be the highest amount that we work out from the three options below: We explain below how we work out the amount of your minimum payment. If you have more than one instalment plan we'll apply the payment against them in the order they were added to the account, starting with the plan that has been on the account longest. If that's the case, we'll apply your payment to the oldest amounts first. Sometimes amounts are charged at the same interest rate. We always pay off interest and charges first. In each case we apply payments first to amounts that we charge the highest interest rate on before we apply them to amounts charged at lower rates or zero interest. (6) To any instalment plan balances that are left. (5) To any transactions, interest or charges that haven't yet been included in your statement You can find that amount in your statement (4) To the rest of the transaction balance. (3) To any monthly instalment (or instalments) and instalment plan fees (2) To the minimum payment for that month (1) To any overdue minimum payments (we call these 'arrears’)

BALANCE TRANSFER CREDIT CARD FULL

We apply your payments in a certain order if the amount you pay in a month is less than the full amount you owe. Purchases, cash advances and balance transfers Otherwise, the period over which interest is charged will be: We won't charge interest on any purchases shown in a statement if you pay the full transaction balance and any monthly instalment plan payments by the payment due date. If you have an instalment plan, you’ll also need to pay the monthly instalment and fee. Maximum 56 days for purchases if you pay your transaction balance (the amount you owe excluding any instalment plan) in full and on time. We can't transfer from all cards, for example, some store cards.Ġ% on balance transfers made within 90 days of account opening for 20 months from the date of transfer

This includes Marks & Spencer Financial Services plc. Sorry - we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. Transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day. If we approve your request, payment will reach your other credit or store card provider by the end of the next working dayĪ Balance Transfer fee of 2.99% (min £5) will be charged for each transferred balance made within 90 days of opening your account. After 90 days, the fee will be set out if we send you a balance transfer offer.

Start your message with ‘I want to complete a Balance Transfer’ and we’ll be able to help you with your request. Or in Online Banking, select 'Message us'. If we do this, we’ll give you at least 30 days notice.ĩ. This offer is governed by English law and we reserve the right to change or cancel it without notice.Once you've received your card you can contact us through our App - go to 'Help' and select 'Chat now'. You can find details of their collection rates at ħ. We and other Nectar partners may change the rate at which you collect points, or stop awarding them altogether at any time. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafés, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.Ĥ. We don’t award points on Travel Money purchases.ĥ. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.Ħ. You can collect additional points from Nectar partners, including up to 1 point per £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. We’ll award 1 point for each full £2 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.ģ. We’ll award 1 point for each full £5 spent everywhere else.

and other countriesġ.You can collect points by paying with your credit card.Ģ.

BALANCE TRANSFER CREDIT CARD VERIFICATION

The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.Ĭredit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.Īpple, the Apple logo, Apple Pay are trademarks of Apple Inc., registered in the U.S. We treat all our customers and their applications for a Sainsbury's Bank Credit Card on an individual basis. Sainsbury's Bank Credit Cards are available to new Sainsbury's Bank Credit Card customers only.