Giving you notice of changes
We’ll tell you about any changes under this section either
by including a message in your monthly statement or
by sending you a separate written notice by post, email,
online account servicing, text message or any other written
communication. We’ll give you at least 30 days’ notice
unless the change is to your advantage, in which case we
may give you less notice.
If we make any changes under this section, we’ll let you
know when the changes will apply to your account.
If you want to end this agreement because of one of the
changes we make, you can do this without charge by
calling or writing to us. If you decide that you want to close
your account after these changes take place, you’ll need to
contact us to let us know. These changes will still apply
until the agreement ends. If you stop using your card,
changes that only apply if you use the card will not affect
you, but other changes will apply until you have repaid the
full balance.
12. Using your account
All cards are our property and you mustn’t use your
card for any illegal purposes or to make certain types of
transactions which we will tell you about from time to time.
Your card is for personal use and you shouldn’t use it for
business purposes. If we’re worried your card is being
misused, we can put a stop on it.
When your account is first opened we may send you
account information, such as your account number, so
that you can start making limited transactions before
your card arrives. You can also ask us to make a balance
transfer (this is a transfer of funds from your card to
reduce the amount you owe on other credit cards, store
cards or loans) or a money transfer (a transfer of funds
from your card to a bank account in your name) straight
away. When you receive your card, we may ask you to
activate it before using it to make transactions.
Managing your credit limit
If we reduce your credit limit based on an assessment of
risk or your ability to repay, we have the right to not give
you any notice beforehand if we think this would not be
appropriate. (However, we may choose to give you up to
seven days’ notice.) We won’t reduce your credit limit to less
than your total outstanding balance, plus any transactions
authorised but not yet charged to your account.
In some cases we may allow an increase in your credit limit
for a short period, which we will tell you. If we do this, we
will reduce your limit back down at the end of that period,
even if that reduces your limit to less than your total
outstanding balance. We won’t charge you an over credit
limit fee in these circumstances.
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