Harvey Nichols Magazine

OXO Restaurant terrace

Oxo Tower dining

Celine suit

Exclusive fashion shows

Personal Shopping suite

Personal Shopping advice

Summary box
The information contained in this table summarises key product features and is not intended to replace any Agreement Terms
APR	With or without minimum Direct Debit	Typical 21.9%APR variable

Other interest rates		Monthly Rate	Annual Rate
	With or without minimum Direct Debit	1.67%	Effective 21.9%
			Simple 20.04%
Interest free period	Up to 56 days if you pay your balance in full and on time.
Interest charging information	Interest is charged from the date a transaction is applied to your account until payment is received (unless the interest free period applies).
Allocation of payments	Minimum repayment followed by the remainder of the balance (for full information on allocation of payments see the Agreement Terms).
Minimum monthly repayment	£5.00 or 5% of the Standard Balance (whichever is the higher).
Amount of Credit	Minimum limit £500, maximum limit subject to status.
Fees	No annual fee.
Charges	None.
Default charges	Late payment charge	£15
	Returned payment charge	£5