Summary box

The information contained in these tables summarises key product features and is not intended to replace any Terms and Conditions.

Business Charge Card - SUMMARY BOX
APRs and Other Rates	APR (variable)
Cash Advances	46.1% for business Card and 51.6% for business Premium Card (based on a credit limit of £1,500).
Allocation of Payment	Direct Debit will clear balance at end of month. Payments will be applied in the order specified in section 3.4 of the Terms & Conditions.
Minimum Repayment	Direct Debit will clear balance at end of month.
Fees	Business Card normally £32, Business Premium Card normally £79.
Charges	Cash Advances subject to a handling fee of 3% (minimum charge £3), foreign exchange transactions subject to a conversion fee of 2.75% (including purchase of foreign currency and travellers' cheques).
Default Charges	Returned payment fees are £12 each for each occurrence. Late payment fees are charged at £12 for each occurrence and interest will be applied at a rate of 1.6% per month.

Business Credit Card - SUMMARY BOX
APR (Purchases) for Business Card	22% (variable)
APR (Purchases) for Business Premium Card	29.8% (variable)
Other Rates	Annual rate	Monthly rate (variable)
Purchases and Balance Transfers	15.9%	1.325%
Cash Advances and Cheques	21.9%	1.825%
Interest Free Period	Up to 45 days for Purchases if you pay your balance in full and on time - no interest free period on Cash Advances, Cheques or Balance Transfers.
Allocation of Payments	We will apply payment we receive to sums applied to your account in the following order: a) in payment of any interest ; b) in payment of fees and charges shown on any Statement; c) in payment of any Special Offers, Balance Transfers and Purchases shown on any Statement; d) towards repayment of all Cheques and Cash Advances (except Special Offers) shown on any Statement; e) to repay Special Offers not yet shown on any Statement; f) towards repayment of all Balance Transfers and Purchases (except Special Offers) not yet shown on any Statement; g) towards repayment of all Cheques and Cash Advances (except Special Offers) not yet shown on any Statement.
Minimum repayment	5% of the outstanding balance or £5, whichever is greater, however calculation of the Minimum Payment will be based on the total outstanding balance of the Account, which, where applicable, will include the full amount that the Business owes over the agreed Business Credit Limit. Please note: we do not recommend that you only ever make your minimum payment.
Annual Fee	Annual Card Fee normally £32. Business Premium Card normally £79.
Charges	Cash Advances are subject to a handling fee of 3% (minimum charge £3) foreign exchange transactions subject to a conversion fee of 2.75% (including purchase of foreign currency and travellers' cheques). Each Cheque is subject to a handling fee of 2.5% (minimum charge £2) of the amount on the Cheque.
Default charges	Handling fees for dishonoured payments and over-limit fees are £12 each for each occurrence. Late payment fees are £12 for each occurrence and interest will be applied at the rate for Purchases. Unpaid fees for Cheques and fees for stopping Cheques are £25 each for each occurrence.