Why have you increased my interest rate?
We offer variable interest rates based on the risk make-up of our customers. As an existing customer, we continuously review the level of risk on your account as well as monitoring for any changes in underlying costs. This assessment has resulted in an increase to your interest rate.
How often do you review my interest rate?
If we change your interest rate, we won’t review your account again for 6 months.
If we don’t change your interest rate, we might review your account again next month.
Have you credit-checked me?
No. We look at the information the Credit Reference Agencies have for you. But we don’t credit-check you after you apply for your credit account.
Are you allowed to change my interest rate?
Yes. In the rules of your credit account, it says that we are allowed to change your interest rate. You agreed to these rules when you opened your account with us.
Why have you only changed my interest rate on one of my accounts?
Your account is part of a selection of customer accounts that we reviewed this time. We might review your other account/s in the future. If we do, we’ll let you know.
I don't want my interest rate to change, what can I do?
If you don’t want us to raise your interest rate, you can reject the change.
Just fill in this online form.
You won’t be able to use your credit account anymore.
You can still shop with us. You’ll just need to pay for what you want by card when you order.
If you wish to make a complaint, please read our guide on how to do it.