GE Money - Topman : Benefits

WHAT YOU GET

ONE A £10 VOUCHER WHEN YOU SPEND £30 OR MORE IN YOUR FIRST STATEMENT
TWO FREE POSTAGE WHEN YOU SHOP AT TOPMAN.COM
THREEEXCLUSIVE ACCESS TO GIG AND FESTIVAL TICKETS
FOUR AN EXTRA 10% OFF SALE PRICES DURING THE FIRST WEEK OF THE SALE
FIVE FREE TOPMAN VOUCHERS AND MUSIC DOWNLOADS IF YOU SPEND ON YOUR TOPMAN CARD
SIX SIGN UP TO RECEIVE OUR WEEKLY STYLEMAIL

ALL OFFERS SUBJECT TO AVAILABILITY AND WILL RUN AT VARIOUS TIMES OF THE YEAR.
CHECK STATEMENTS FOR OFFERS.

SUMMARY BOX

The information contained in this table summarises key product features of your Topman Card and is not intended to replace any terms and conditions

Other interest rates	Introductory Rate	Monthly Rate	Simple Annual Rate
Retail Purchases	N/a	1.520%	18.245%
Cash Transactions¹	N/a	2.104%	25.249%
Balance Transfers¹	N/a	1.520%	18.245%
Interest free period	Maximum 56 days on Retail Purchases if you pay your balance in full and on time.
Interest charging information	The periods over which interest is charged are as follows:
	From	To	Until
	Retail Purchases*	Date of transaction	Repaid in full
	Cash Transactions	Date of transaction	Repaid in full
	Balance Transfers*	Date of transaction	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(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 customer terms and conditions 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.
Amount of credit	Minimum credit limit of £100.00, maximum credit limit subject to status.
Fees	No annual fee. Introductory Rate Balance Transfers – N/A 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)

¹Where permitted on the account

No Quibble Guarantee

In the unlikely event that you are not totally satisfied with your Topman Card, please call our Customer Services on 0871 522 5252 (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 or 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