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Important.. You can apply if you are a UK resident, are aged 18 or over and not bankrupt and have no county court judgments registered against you. Written quotations available on request from Accucard 0800 587 6600. Important Information BEFORE YOU APPLY: UNDER THE DATA PROTECTION ACT 1998 YOU HAVE A RIGHT TO KNOW HOW WE WILL USE YOUR PERSONAL INFORMATION. IT IS IMPORTANT THAT YOU SHOULD READ THE "USE OF YOUR INFORMATION" NOTICE BELOW BEFORE YOU APPLY. "WE", "US" AND "OUR" IN THIS BOX, "WE", "US" AND "OUR" MEAN LLOYDS TSB BANK PLC AND ANY OTHER ORGANISATION WHICH TAKES OVER THE AGREEMENT, UNLESS STATED OTHERWISE. "USE OF YOUR INFORMATION" Assessing Your Application In assessing your application, we will make enquiries about you including searching your records held by Equifax plc or Experian Ltd or both (or any other credit reference agency from time to time) and checking your details with CIFAS (or any other fraud prevention agency from time to time). If you give us false or inaccurate information and we suspect fraud, we will record this. Other Uses The credit reference and fraud prevention agencies will each keep details of our search. You consent to our disclosing details of your application and how you conduct the agreement (including any default) to them. You agree that we and other organisations may use and search these records to help make decisions about credit and credit related services, for you and members of your household, to help make decisions on motor, household, credit and other insurance proposals and insurance claims and life assurance proposals and claims, for you and members of your household, to trace debtors, recover debt and prevent fraud, to manage your accounts or insurance policies, for statistical analysis about credit and about insurance and fraud and to check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity. We may also use information about you to carry out market research. An "association" between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies which will link your financial records. If there is such a link, you understand that each other's information will be taken into account in all future applications for credit by either of you. This linking will continue until one of you successfully files a "disassociation" at the credit reference agencies. Please telephone us on Freephone 0800 587 6600 if you want to have details of the credit reference agencies (other than Equifax plc or Experian Ltd) and the fraud prevention agencies (other than CIFAS) from whom we obtain and with whom we record information about you from time to time. We reserve the right to inform you about credit and credit related products, if we do not accept your application at this stage. If you do not wish to receive information about such products, you may write to us at PO Box 4104, London W1A 6FZ or email us at customerservices@morethancard.com at any time. Credit Scoring We may use a "credit scoring" or other automated process in deciding whether to accept your application and during the life of your Account to set your credit limit and the interest rate(s) and other charges for your Account (all of which may be varied by us, unless otherwise indicated). This may involve searching your records again at one or more credit reference agencies (who will keep details of our search) as well as using other information we hold about you. Card Protection Plan Card Protection Plan is provided through Card Protection Plan Limited (CPP) which arranges cover for you, as your agent, with an authorised insurance company which has chosen English law to govern the policy. You consent to our passing the information to CPP which will hold that information, as an agent for the insurer, to process your application and administer the Card Protection Plan Policy for which you apply. Additional Information You have a right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable. Please note that Internet Explorer 5.0 or Netscape 6.2 or above is required to apply for a MORE TH>N Credit Card. I have read and accept the Data Protection notice The More Th>n Credit Card is brought to you in association with Accucard and issued by Lloyds TSB Bank plc. Credit cards are subject to status and available only to UK residents aged 18 or over. Written quotations are available on request from Accucard of 199 Piccadilly, London W1J 9HA, or by calling 0800 587 6600. With the More Th>n Credit Card, the Interest Rate, any Annual Fee, any CashBack Rewards and the APRs that will apply will depend on the choices you make. We will charge a handling fee on cash advances of 1.5% of the advance or £1.50, whichever is the greater. You can change your card features for free three times in any 12 month period. There is a £10 administration fee for each further change. Balance transfers made in the first 6 weeks after you open an Account will each be charged at a fixed introductory rate of 0% per annum for 5 months after the transfer has been made, unless paid off earlier. Your payments will be applied towards balance transfers before purchases and cash advances. If you pay more than the minimum payment, this means the balances you transfer may be paid off in full before the promotional five-month period ends. Balance transfers will then be charged at the same variable interest rate as for purchases and other amounts charged to the account which, for example, with no annual fee, gives a typical APR of 13.9%, except for cash advances, for which a typical APR is 16.2%. Unless otherwise indicated, all rates are variable. Monthly payments required. The minimum monthly payment is the greater of the total of £5 or 2% of any outstanding balance transfer(s) plus £5 or 2% of any other monthly balance, unless you owe less than £5 when the whole amount is payable. Minimum balance transfer £100. Terms and conditions apply to all More Th>n Credit Card benefits. More Th>n is a trading style of R&SA Marketing Services Plc (No. 02145778). Registered in England & Wales at St. Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL, a member of the Royal & Sun Alliance Insurance Group of Companies. Accucard is a business name of Create Services Limited (No. 4502461), a Lloyds TSB company. Registered in England. Issuing Bank: Lloyds TSB Bank plc (No. 2065). Registered in England, authorized and regulated by the Financial Services Authority, and a signatory to the Banking Codes. Registered Office of both: 25 Gresham Street, London EC2V 7HN. For your protection telephone calls will be recorded and may be monitored. You can build your own personal credit card with a choice of features to suit your financial needs - the annual interest rate, CashBack rewards and annual fee can all be set by you. See how easy it is to build your own credit card with the on-screen demo. When you apply, you’ll be able to choose from a range of different ways to manage your account. Select your services carefully: you could save by servicing your account online. Design your own card. First choose your background colour – black, white or green – then pick the image you like best. You’ll see your own individual card made up online. For a fee of £10, you can change your card design at any time in the future. Do you pay off your balance each month? Need a low interest rate for balance transfers? We can show you how you can select the best package for you. Apply now to design your own MORE TH>N Credit Card online. Manage your MORE TH>N Credit Card account online. Choose payment options, view statements, change card design and more. You don’t have to use the CardBuilder if you don’t want to. To help you select the MORE TH>N Credit Card we have created three ready made combinations. These three credit card packages are designed to reflect the needs of most of our customers. Remember, even if you choose one of the cards below when you apply, you can always change your card settings later on. Balance Manager - want to spread your payments over a period of time or transfer a large balance from other cards? Choose the Balance Manager package which features: online account servicing a lower interest rate, which is a trade-off against no CashBack rewards and a £10 annual fee Select - use your credit card for occasional and perhaps large special purchases, such as holidays, gifts or maybe an unexpected repair bill? Then choose the credit card which gives you: online account servicing a lower interest rate, which is a trade-off against no CashBack rewards and no annual fee* CashBack – expect to use your credit card for most purchases and normally pay off your balance each month? We recommend the CashBack card. And remember, you can always change your mind later. online account servicing Maximum available CashBack rewards on purchases... in exchange for a higher interest rate and... no annual fee* * In rare cases applicants may be required to pay an Annual Card Fee Apply now to design your own MORE TH>N Credit Card online. Manage your MORE TH>N Credit Card account online. Choose payment options, view statements, change card design and more. As well as numerous pricing options, the MORE TH>N Credit Card lets you choose from 9 different combinations of card design. Apply now and you’ll be able to mix and match card colours and images to create the look you like best. What’s more, you’ll be able to change your mind at any time. For a fee of £10, you can request a design change online anytime you wish. Apply online and in most cases, you’ll get an instant decision. Full account servicing online, via email and our freephone Customer Services line Online balance transfers at our great rate Request changes to your Credit Card features up to 3 times a year for free Purchase guarantee, so you never pay for any unauthorised transactions, either online or offline Free travel accident insurance Free purchase protection insurance covers you against damage to goods bought with your card Emergency card replacement – we’ll courier a new card to you anywhere in the world if yours is lost or stolen Emergency cash advance - from £50 to £500, on production of photo identification, anywhere in the world Accepted worldwide at over 24 million locations 24 hour access to cash at over 529,000 ATMs worldwide First class Customer Services Your MORE TH>N Credit Card account can be managed online, by post or over the phone. All the information you need is available online 24 hours a day, 7 days a week via our automated telephone service on 0800 587 6600 or online account servicing at www.morethancard.com Visit our web site to access all of the following: Account overview: a single screen giving you a quick summary of your account status View recent transactions: a list of transactions made on your credit card since your last statement View past statements: access your last 6 statements and print out copies for your files Make payments: view and amend your payment options Change your credit card features: adjust your interest rate, CashBack rewards and servicing options to suit your changing needs, without charge, up to 3 times in any 12 month period Change your card design: switch designs at any time, for a £10 fee Creating your Credit Card 3 Credit Card Packages 9 Card designs Credit Card features Online servicing Important information FAQ About MORE TH>N credit card Application Account Servicing Additional Services Lost And Stolen Balance Transfers Rates And Charges Payments Privacy Security About MORE TH>N credit card What is the MORE TH>N Credit Card? MORE TH>N has teamed up with Accucard to provide the MORE TH>N Credit Card. It's a card that saves you money by letting you choose the combination of Interest Rate, CashBack Rewards, Annual Fee and Servicing Options that best suit your individual needs. So you get a package of benefits tailored to your financial requirements. What is the CashBack Card? The CashBack Card rewards you on your purchasing. Ideal if you pay off your full balance each month, the CashBack Card gives you an attractive Annual Interest Rate (for those occasions when you do not wish to pay your full balance), maximum CashBack Rewards on each purchase you make (not on cash advances) and a modest or no Annual Fee. What is the Balance Manager Card? The Balance Manager Card helps you to manage your outstanding balances. If you normally do not pay off your entire balance each month, this is the card for you. With no Annual Fee, it has a lower Annual Interest Rate. What is the Select Card? The Select Card is designed for those who may not wish to pay off a large balance each month, i.e. paying the minimum amount required. By paying an Annual Fee, you get a lower Annual Interest Rate. How do I design my own Card? If you would like to select your own individual combination of Interest Rate, CashBack Rewards, Annual Fee and Servicing Options, try our Card Builder. It is easy to use, and you can build a custom Credit Card just for you. click here to find out more. What is the Annual Interest Rate? Find out under 'our rates and charges' click here. What are CashBack Rewards? When you use your Card for purchases (not cash advances), you will get back a percentage of every pound spent. This sum will be credited to your account on your twelfth statement each year. The rate of CashBack Rewards you should choose depends on how you use your card. If you plan to use your Card for a considerable proportion of your spending, then choose your maximum CashBack Rewards rate. Why should I have an Annual Fee? In most cases you will be able to choose whether or not to pay an Annual Fee. If you do choose to do so, you will benefit from either a lower Annual Interest Rate or higher CashBack Rewards. What are the MORE TH>N Credit Card Terms and Conditions? You can access a copy of the MORE TH>N Credit Card Terms and Conditions to print out and read at your leisure. Application What does applying online mean? You can apply by completing our application form on your computer. Your details are then encrypted and sent to us - protecting your information. And you can do it online now! click here to apply online Can I apply if I do not live in the UK? Our Cards are only available to residents of the UK. (This does not include the Isle of Man or the Channel Islands). Am I eligible to apply for a Card? You are eligible to apply for a Card if you: are a resident of the United Kingdom (excluding the Isle of Man and the Channel Islands) have a regular income have a current account with a bank or building society that you have held for more than 6 months in the United Kingdom are 18 years old or older have a home telephone number have no outstanding County Court Judgments or defaulted credit accounts have read and confirmed that you have understood the terms and conditions meet or exceed our minimum credit granting criteria What happens when I apply online? With most online applications we can make a provisional decision within 20 seconds. However, the credit reference agency we use is closed from midnight until 6am each day (UK time), so we are unable to process applications during this period. Once your application is approved, written confirmation will be sent to you containing your Credit Agreement, a copy of it and a Direct Debit mandate for you to complete, sign and return. Once we have received your completed forms and we have signed and dated your agreement, we will set up your account and dispatch your Card to your home. Please allow up to two weeks to receive your Card from the time we receive your completed forms. What is my Bank Sort Code? This is the 6-figure number in the top right hand corner of your personal cheques which identifies your bank and branch. What is my Bank Account Number? This is normally an 8-figure number, which can be found at the end of the bottom line of figures on your personal cheques. Why do you need my date of birth? For two reasons: you must be 18 years old or over to open a MORE TH>N Credit Card account; and we use your date of birth as a security check to prevent fraudulent use of your Card. What is 'the name as you wish it to appear on your MORE TH>N Credit Card'? This is the name that will be embossed on your Card. You must select from this box of name options. Unfortunately, we cannot allow you to choose any other names. Why do you need my previous address? It is important we have 3 years' residential address history to help process your application. If you have lived at your current address for less than 3 years, we will need your previous address or addresses. Why do you need my email address? It is vital we have your e-mail address to contact you regarding your application. Please ensure that your details are correct. If your application is approved, we also use your email address to contact you regarding your account and for other communications. Please ensure that your details are kept up to date and that you check for new e-mail at this address regularly. You can update your e-mail address at any time in the secure card servicing area. Why do you need to have my current address? When you apply, we use your address to undertake a credit reference agency search. We also use your address to contact you regarding your application. Please ensure that your details are correct. To make the application simpler, your postcode will help identify your address details. Please input your postcode and select your address from the options which appear. If the system does not retrieve your correct address, please amend accordingly. This address must be a UK residential address. We are unable to process business addresses for this purpose. If you are in the armed forces or similar, please give your leave address. If your application is approved, we also use your address to contact you regarding your account and for other communications. Please ensure that your details are correct at all times. You can update your address at any time in the secure card servicing area. What if I do not know my correct postcode? You can find out your postcode by contacting your local Royal Mail Office directly or by using the post code finder facility on their website www.royalmail.com. How do I fill in my address details? First, enter your postcode in the fields labelled 'postcode'. Next, click on the button 'find address' below the 'postcode' fields. We will then search for your postcode. This may take a few moments. When the process is complete, check your address details are correct, and select the first line of your address from the drop down box labelled 'select building number or name'. I cannot find my address in the drop down list. What should I do? If your building was recently constructed or converted this may be because you are not listed in the current Royal Mail postcode list. Please contact the Royal Mail on 0845 603 9038 who will be able to assist you in getting your postcode listed. If this is not the case, please call MORE TH>N Customer Services on 0800 587 6600 for further assistance. Why do you need my home phone number? It is important to include your home or main contact phone number, including STD code, in case we need to contact you regarding your application or subsequently regarding your account. We will not share your personal information, including your phone number, with anybody else without your permission (unless we are required by law to do so). My home phone number is ex-directory. Do I have to share my number? Yes, since we may need to contact you regarding your application or subsequently regarding your account. We can assure you we will not disclose your number, or any personal details, to anyone else without your permission (unless we are required by law to do so). Why do you need to know my income details? We need details of your annual income to assess your application. Please ensure you give us your gross annual income figure, i.e. the amount you earn before tax. We will be unable to give you a Card without this information. Why has my application been referred? If we are not able to approve your application immediately, it may be because we need some more information from you. If this is the case, we will be contacting you shortly. When will you contact me if you require more information? If we require further information in order to process your application, we will contact you within 48 hours. Otherwise, you should hear from us within a week. What happens if I am an existing MORE TH>N Credit Card holder? Our current policy permits an individual to hold only one MORE TH>N Credit Card account. If our records show you are already a customer and you have recently applied for a MORE TH>N Credit Card, it may not have arrived yet. You can call MORE TH>N Customer Services on 0800 587 6600. If you wish to service your account online please go to the card servicing area. What happens if I wish to make Balance Transfers for a greater amount than my provisional credit limit? If your final credit limit is different from your provisional limit, and this affects the Balance Transfers you requested at application, our Applications Team will contact you to discuss the appropriate action. If you make a Balance Transfer request which would result in you exceeding your credit limit the transfer will not be authorised and you will be notified in writing. Account Servicing Where can I use my MORE TH>N Credit Card? Your MORE TH>N Credit Card is accepted at over 24 million locations worldwide displaying the MasterCard logo. You have 24-hour access to cash at over 529,000 cash machines, providing you with the flexibility of withdrawing cash whenever you like. A handling fee of £1.50 or 1.5%, whichever is greater, is applicable to cash advances. How much will it cost to use a cash machine? Providing you remain within your credit limit, you will only incur a handling fee of 1.5% (minimum of £1.50) for cash withdrawals. Can I use my MORE TH>N Credit Card abroad? Yes, your MORE TH>N Credit Card is accepted at over 24 million locations worldwide. We will make a charge of 2.75% of the amount of each foreign currency transaction or cash advance and the sterling amount shown on your statement will include this charge. How much cash can I withdraw per day? You can make a maximum of one cash withdrawal per day and there is a limit of £250 per withdrawal, providing you are within your credit limit. How do I add a cardholder to my MORE TH>N Credit Card account? You can have one additional Cardholder on your account. You can include the details at the point of application. If you are already a Cardholder, please use the secure "Contact Us" facility in the card servicing area to send us a request. Alternatively you can call MORE TH>N Customer Services on 0800 587 6600. Simply ensure that person is aged 18 or over. We will send the additional card to you. Please note that as the second Cardholder has no legal responsibility for the card, you, the primary Cardholder, are responsible for paying the entire bill. Therefore, please do not hand out your security details, such as user name and password, to anyone. How do I remove a Cardholder from my Card account? If you wish to change the details of or remove your second Cardholder, please use the secure 'Contact Us' facility in the card servicing area to let us know. Or call MORE TH>N Customer Services on 0800 587 6600. Remember: you will remain liable for transactions with the second Cardholder's card until it is returned to us having been cut in half. I have changed my card features. Why are these changes not shown online? The features shown online are your current features. Your changes will take effect from your next statement date. Once I have designed my MORE TH>N Credit Card, can I change my combination of features at a later stage? Yes, if you would like to change the combination of features on your MORE TH>N Credit Card, you may do so up to 3 times in any 12 month period without charge. The features you can change are your combination of Annual Interest Rate, CashBack Rewards, Annual Fee and Servicing Options (see below). If your Card features change more than 3 times in any 12 month period we may charge you £10 for each further change. We will only charge you for changes made following your request. Please note that in relation to the charges advised above, adding optional services, such as Payment Protection Insurance or Card Protection Plan or adding an additional Cardholder does not constitute a change of features. What are my Servicing Options? You may select different options for the way you choose to receive your statements and the mechanism you use to pay your bill. If you pay your bill by Direct Debit, rather than by cheque or any other means, you could get a lower Annual Interest Rate or higher CashBack Rewards. This is due to the lower processing costs for Direct Debit transactions. However, you may prefer to pay your bill by cheque. You can always change this option in the card servicing area after you have received your Card. Can I choose to receive paper statements? You can choose to receive monthly paper statements via the post, but remember, you can always check your statements online and print paper copies for your records. You can change this setting in the card servicing area. If you choose electronic statements ONLY this reduces our servicing costs. We pass the benefit back to you by giving you a lower Annual Interest Rate, so it is beneficial to you to use electronic statements if you can. My name has changed. What do you need me to do? Please send a copy of your deed poll or marriage certificate to us at MORE TH>N, Customer Services, Christopher Martin Road, Basildon, SS14 9AA. We will update our records and issue you with a new MORE TH>N Credit Card. This request can only be processed when we receive formal written notification. You have spelled my name incorrectly. How can I change it? Please use the secure 'Contact Us' facility in the card servicing area to let us know. Or contact MORE TH>N Customer Services on 0800 587 6600 or write to us at MORE TH>N, Customer Services, Christopher Martin Road, Basildon, SS14 9AA explaining the issue. What should I do if my home address has changed? You need to contact us directly for security reasons. Please use the secure 'Contact Us' facility in the card servicing area to let us know. Or call MORE TH>N Customer Services on 0800 587 6600, so we can update our records. You may be required to provide evidence of your new address (for example, a utility bill or bank statement). We will let you know if this is required. How can I query something on a my statement? Please contact us by using the secure 'Contact Us' facility in the card servicing area. Alternatively, you may call MORE TH>N Customer Services on 0800 587 6600. Please provide as much information as possible when you contact us. Can I change my statement date? If you need to change your statement date please let us know the new date you wish statements to be issued on. Please contact us by using the secure 'Contact Us' facility in the card servicing area. Alternatively, you can call MORE TH>N Customer Services on 0800 587 6600. If I change my MORE TH>N Credit Card features, do I need a new Credit Card? No, you can carry on using your existing Card. Is "Contact Us" secure? Yes, everything you do in the card servicing area is encrypted using the latest 128-bit technology, providing your browser supports it. When you use the secure 'Contact Us' feature, you have already logged in so you and only you can send us messages using this mechanism. That is why we ask you to make all your account specific enquiries using this facility. Please note, if you email us directly the email is sent unencrypted over the public internet and so this is not secure. What should I use the secure "Contact Us" feature for? You should use the secure "Contact Us" feature for any account specific enquiry or request. By logging in you have already been through our security checks and your enquiry does not go via internet email. Use it to: take out Card Protection Plan take out Payment Protection Insurance request an additional Cardholder make a statement or transaction enquiry any other query or request When will you respond to my query? We aim to deal with your query within 2 working days. Why have I been logged off? If you were not active in the card servicing area we may have automatically logged you off for your security. You will be automatically logged off after 30 mins of inactivity on the MORE TH>N Credit Card servicing part of the site. How do I log on again? Close the servicing area window by clicking on 'close window'. Then log on again by clicking on to the Login area on the Welcome page. Additional Services Do I get any free additional services with the MORE TH>N Credit Card? Yes, you get Purchase Protection Insurance and Travel Accident Insurance as free additional benefits with your MORE TH>N Credit Card (subject to conditions). You can also have one additional Cardholder on your account. There is also no charge for this service. please click here for details. Are there any optional additional services with the Card? In addition to free Purchase Protection Insurance and Travel Accident Insurance, we provide you with the opportunity to have optional Card Protection Plan cover and Payment Protection Insurance. To take out one or both of these, please use the secure "Contact Us" facility in the card servicing area. The premiums and fees will be added each month to your statement, as appropriate. How do I take out Purchase Protection Insurance or Travel Accident Insurance? Both Purchase Protection Insurance and Travel Accident Insurance are additional benefits provided to MORE TH>N Credit Card holders free of charge. You are automatically registered for these policies when you activate your card (subject to conditions). What is Purchase Protection Insurance? Purchase Protection Insurance protects you in the event of loss and/or damage to most purchases made using your MORE TH>N Credit Card within 90 days of purchase. Certain types of property are not covered by the insurance. Subject to terms and conditions. for more details, please click here. What is Travel Accident Insurance? Travel Accident Insurance provides cover for you and your family against death or serious injury, up to £50,000, on journeys paid for using your MORE TH>N Credit Card. Subject to terms and conditions. for more details, please click here. What is Payment Protection Insurance? Payment Protection Insurance protects your payments under your Credit Agreement arranged by Accucard in the event of your death, disability or unemployment*. Subject to terms and conditions. For more details, please click here. For full details and to apply online go to the card servicing area. Alternatively use the secure 'Contact Us' facility in the card servicing area to contact us, or call MORE TH>N Customer Services on 0800 587 6600. *Through no fault of your own. What is Card Protection Plan? Card Protection Plan (CPP) protects your MORE TH>N Credit Card and other Credit Cards in the event of loss or theft. for more details, please click here. For full details and to apply online go to the card servicing area. Alternatively use the secure 'Contact Us' facility in the card servicing area to contact us, or call MORE TH>N Customer Services on 0800 587 6600. Can I have an additional Cardholder on my MORE TH>N Credit Card account? Yes, you can have one additional Cardholder on your account. Just include the details in your online application form. Or use the secure 'Contact Us' facility in the card servicing area to make a request. You can also call MORE TH>N Customer Services on 0800 587 6600. Please remember, you will still be responsible for paying the entire Credit Card bill for the use of the Cards and your account. How do I make a claim under Purchase Protection Insurance? If you would like to make a claim, please contact GE Financial Insurance at Vantage West, Great West Road, Brentford, Middlesex, TW8 9AG or telephone 0870 400 4868 to request a claim form. How do I make a claim under my Travel Accident Insurance? If you would like to make a claim, you (or your legal representative(s)) should contact GE Travel Insurance Services, Claims Department, PO Box No 198, Brentford, Middlesex TW8 9XG or telephone 0870 900 0170 to request a claim form. How do I make a claim under Payment Protection Insurance? If you would like to make a claim, please contact GE Financial Insurance at Vantage West, Great West Road, Brentford, Middlesex, TW8 9AG or telephone 0870 400 4868 to request a claim form. Lost And Stolen My MORE TH>N Credit Card is lost or stolen. What should I do? You can report a lost or stolen MORE TH>N Credit Card 24 hours a day using the Freephone lost and stolen number 0800 587 6688. If you are calling from abroad, please call +44 1268 567430. If you have registered with Card Protection Plan you should report your Card as lost or stolen through CPP by calling 0808 100 22 55. If you are calling from abroad, please call +44 1904 544 622. Please refer to your CPP documentation for further details. Or visit the CPP website. Balance Transfers What is a Balance Transfer? Transferring balances is an easy way to consolidate multiple credit card and store card balances in one place. You can transfer balances from your other credit cards or some of your store cards online at any time. You should continue to make your normal payment to each card account until the card provider has confirmed receipt of the appropriate amount. Simply complete the balance transfer form online, telling us the account number you wish to transfer your balance from and the amount of the balance you would like us to pay and we will take care of the rest. Why is it worth making a Balance Transfer? Transferring balances is an easy way to consolidate multiple card balances and you could save on interest payments. If you owe money on other higher Interest Rate store cards, charge cards or credit cards, transferring the amount of your balance to your MORE TH>N Credit Card account could save you money. We offer an introductory balance transfer rate which is currently 0% per annum (fixed for five months), 13.9% typical APR variable. To find out more see rates and charges. How much can I Balance Transfer? You can request to make a Balance Transfer of between £100 and up to your available credit limit for a transfer from any UK credit cards or charge cards, and from many store cards. If you make a Balance Transfer request which would result in you exceeding your credit limit the transfer will not be authorised and you will be notified in writing. How many different Balance Transfers can I make to my MORE TH>N Credit Card account? You can transfer any number of balances (with a minimum of £100 per transfer) up to your available credit limit with us. Simply complete the form details and we will pay off the amount you ask us to, up to your Card credit limit, of course. If you transfer a balance from another card for me, will you close the other card account? No, we are not authorised to close other card accounts for you. If you wish to do so, please contact your card company directly. Remember to pay any remaining bills as normal on your other cards until the entire balances are paid off. How long does it take to complete a Balance Transfer? It normally takes about 2 to 3 weeks for us to transfer a balance from another card account. We recommend you continue your minimum payments until your transfer is confirmed and shows up on your next statement. What happens if I have any questions about a Balance Transfer on my MORE TH>N Credit Card account? Please use the secure 'Contact Us' facility in the card servicing area to contact us. Or call MORE TH>N Customer Services on 0800 587 6600. What Credit Card information do you need to make a Balance Transfer? We need the account number of the card with a balance you wish to transfer to your Card account. This is normally a 16-digit number and is located on the face of your card. Of course, we also need to know the amount you wish to transfer. How much money can I transfer? You may transfer any amount up to your available Card credit limit, with a minimum of £100 for each transfer. You can make further Balance Transfers at any time in the future in the card servicing area. Can I transfer balances from personal loans and/or overdrafts that I might have? No, you cannot currently transfer balances from personal loans or overdrafts to your Card account. Rates And Charges How much will my MORE TH>N Credit Card cost me? That is up to you, depending on the features and pricing options you choose. For instance, if you pay back the complete balance every month by the due date, you will not pay any interest at all on purchases. If you choose not to pay the whole amount by the due date, you will be charged interest on your outstanding balance on a daily basis. How much will I have to pay each month? Your minimum payment is usually 2% of the outstanding balance or £5, whichever is the higher figure. But you can pay anything between this figure and the full balance. What Interest Rate will I pay? Your Interest Rate is determined just for you and is based on your own credit history and the choices you make. Select your Annual Interest Rate, CashBack Rewards, Annual Fee, and Servicing Options to best suit your needs. In customising your card and selecting one option over another, you enjoy a tailor made product and reap the benefits passed on to you by the MORE TH>N Credit Card where possible. What is the Annual Interest Rate? The Annual Interest Rate is the rate used to calculate interest on your account. The interest is added to your account monthly. No interest will be charged on your purchases if you pay off your balance in full by the payment date shown on your statement each month. Try our lower rates if you do not think you will pay off your balance every month. If you always pay off your balance monthly, see what additional benefits you will get when you select the higher rates - after all, as long as you pay off your balance by the required date each month, you will not be charged any interest at all on your purchases. What is Annual Percentage Rate (APR)? Annual Percentage Rate (APR) is the rate of the total charge for credit expressed as the law requires, enabling you to compare the rates of Credit Card issuers. The total charge for credit includes interest, any Annual Fee payable and the handling fee in the case of a cash advance. Do you offer any introductory rates? We offer an introductory balance transfer rate which is currently 0% per annum (fixed for five months), 13.9% typical APR variable. Introductory rates for balance transfers do not apply to purchases, cash advances or any other transactions. How is interest calculated? For balance transfers and cash withdrawals, we normally charge interest monthly. This is calculated from the date of transfer/withdrawal until you pay off the balance in full. For purchases made with your Card, no interest is charged as long as you pay the full balance by the due date on the statement each month. Interest, when it is charged, is calculated using the "Average Daily Balance" method. This uses a monthly Interest Rate derived from the Annual Interest Rate you selected during application (or which has subsequently applied to your account) and charges this rate of interest on the average daily balance for the statement period. Will I have to pay interest each month? For purchases, you only pay interest if you do not pay the balance in full and on-time each month. If you pay a smaller amount each month, then interest is charged on the outstanding balance on all old and new transactions until full payment is received. For all cash transactions, including balance transfers from other Credit Cards or store cards, interest is charged from the day of the transaction until payment in full. Can I get interest on a credit balance? No. Credit balances on your Card account will not earn any interest. If you have chosen to pay a fixed amount via Direct Debit and the statement balance is less than the fixed Direct Debit amount, the amount debited will be reduced to clear only the outstanding amount and will not therefore cause you to have a credit balance. What fees do you charge? We charge the following Account fees: £20 each time you miss the minimum payment by the date shown on the statement £15 each time your Account balance is over the credit limit on a statement date £15 each time a direct debit, cheque or other item is not paid when presented for payment £5 for each replacement statement you request; and £5 each time your request a copy transaction record Can I request a specific credit limit? We will set a credit limit for your account once we have received all your application details. Your credit limit details will be included when we send you your Card. If you wish to discuss our amending your credit limit, please use the secure 'Contact Us' facility in the card servicing area to contact us. Or call MORE TH>N Customer Services on on 0800 587 6600. Payments How can I pay off my balance? You can either pay by Direct Debit or by cheque. Please see below for further details. Your payment can cover: the minimum amount of your Credit Card bill each month - i.e. 2 % of the outstanding balance or £5, whichever is the greater, unless your balance is less than £5 when the whole balance is payable the maximum amount each month - i.e. the total outstanding balance anything in between these two amounts a fixed amount each month - i.e. a set amount of pounds which must cover the minimum payment How is the minimum amount calculated? The minimum amount due is calculated as 2% of your last statement balance or £5, whichever is the greater, unless your balance is less than £5 when the whole balance is payable. How can I pay by bank transfer? Ask your bank to make a transfer using the following bank details: Sort Code: 62-28-87 Account Number: 00000000 Reference: your Card number Remember to quote your full 16-digit Card account number when you request the transfer. Please allow at least 4 working days for the funds to be credited to your Card account. How can I pay with a debit card? You can use your debit card (Switch, Visa Delta or Solo) to make a payment online by using the secure "Contact Us" facility in the card servicing area to send us a request. Alternatively, call Customer Services on 0800 587 6600. You will need to provide the following for the debit card you wish to use: the name on the card card number expiry date issue number (where applicable) Can I pay online? If you have a debit card or you have online banking facilities through your bank, you can use the details above to effect an online transaction. How can I pay by cheque? Simply write a cheque made out to "Accucard" and send it to MORE TH>N, Customer Services, Christopher Martin Road, Basildon, SS14 9AA. Please allow 7 working days for your cheque to be credited to your Card account and make sure you write your full 16-digit Card account number on the back of your cheque to facilitate processing. If you receive paper statements, then simply return the completed payment form with your cheque by post. Please make sure you write your full 16-digit Card account number on the back of your cheque to facilitate processing. If I pay by cheque, does it have to be a cheque made out from my own bank account? No. As long as the cheque is payable to 'Accucard', it can be drawn on any bank account. Remember; always write your full 16-digit MORE TH>N Credit Card account number on the back of your cheque. This is especially important if the name on the cheque does not correspond with the name on your Card account. What is Direct Debit? Direct Debit allows us to debit, according to your instructions, a variable amount of money from your bank account each month to pay all or part of your outstanding MORE TH>N Credit Card balance. Paying by Direct Debit reduces the time it takes for us to process your payments. A fixed amount can be debited each month provided it covers your minimum monthly payment. You could benefit from a lower interest rate if you choose to pay by Direct Debit. How do I set up a Direct Debit? You need to complete and sign a Direct Debit mandate form to set up a Direct Debit When you apply for a MORE TH>N Credit Card you can do this by completing the Direct Debit mandate form which is printed on the Credit Agreement which will be sent to you. You can also select your Direct Debit payment option on the same form. After you have applied, you can do this by selecting the Direct Debit option under 'Card Details' in the card servicing area to request a mandate form. You could also benefit from a better interest rate. Or use the secure 'Contact Us' facility in the same area. Or call MORE TH>N Customer Services on 0800 587 6600. Alternatively, contact your bank, which will be happy to help. You can cancel a Direct Debit mandate at any time by contacting your bank. What is a Direct Debit mandate? A Direct Debit mandate is a form, which enables us to collect all the necessary details from you so that we can set up your Direct Debit. You can do this for your Card account by completing the form which will be sent to you with your credit agreement once your application for a Card has been approved. Or use the secure 'Contact Us' facility in the card servicing area to request a mandate form. Or call MORE TH>N Customer Services on 0800 587 6600. Alternatively, you can contact your bank. Can I make more than one Direct Debit payment arrangement for my Card account? No. You can only set-up one Direct Debit for your MORE TH>N Credit Card account from one bank account at any one time. You can, however, change the Direct Debit set-up at any time. Please use the secure 'Contact Us' facility in the card servicing area to change your bank details. Or call MORE TH>N Customer Services on 0800 587 6600. You will need to complete, sign and return a new Direct Debit mandate form. What options are there for how I set up my Direct Debit? When setting up your Direct Debit, you have 3 options: set your Direct Debit to pay the minimum amount off your Card bill each month - i.e. 2 % of the outstanding balance or £5, whichever is the greater, unless your balance is less than £5 when the whole balance is payable set your Direct Debit to pay off the maximum amount each month - i.e. the total outstanding balance set your Direct Debit to pay a fixed amount each month - i.e. a set amount of pounds which must cover the minimum payment If you chose to pay by Direct Debit when you applied you can select your option on the Credit Agreement which will be sent to you for you to sign and return to us. These settings can be changed in the card servicing area. What happens if my minimum payment is more than my fixed Direct Debit amount? If your fixed Direct Debit payment is less than your minimum payment due, your Direct Debit will be increased to meet the minimum payment. This is to ensure your account does not go into arrears. What happens if my statement balance is less than my fixed Direct Debit amount? If your last statement balance is less than your fixed Direct Debit amount, the amount debited will be reduced to clear only the outstanding amount. How can I change my Direct Debit details? If you wish to change the amount of your Direct Debit you can do so in the card servicing area. Please see 'How do I set up my Direct Debit?' for details of the payment options. If you wish to change the date of your Direct Debit. Please use the secure 'Contact Us' facility in the card servicing area to request a change. Or call MORE TH>N Customer Services on 0800 587 6600 to alter this date. If you wish to change the bank details of your Direct Debit you can ask your new bank to do this for you. Alternatively, we can issue you with a new Direct Debit mandate which you will need to sign and return to us. To request a new Direct Debit mandate, please use the secure 'Contact Us' facility in the card servicing area. I cannot make my minimum payment this month. What should I do? If you are having difficulties paying your Card bill, please use the secure 'Contact Us' facility in the card servicing area to let us know, or call MORE TH>N Customer Services on 0800 587 6600 as soon as possible and definitely before your payment due date. How can I protect my Card payments? If the unexpected happens and you cannot pay your Card bills because of an accident, illness or compulsory unemployment*, MORE TH>N Payment Protection Insurance can make monthly payments for you. For full details and to apply online go to the card servicing area. Alternatively, use the secure 'Contact Us' facility in the card servicing area to contact us, or call Customer Services on 0800 587 6600. *Through no fault of your own. What should I do if I do not recognise one of the transactions on my statement? If you do not recognise a transaction, simply use the secure 'Contact Us' facility in the card servicing area to contact us. Or call MORE TH>N Customer Services on 0800 587 6600. You will need to provide us with the details and we will investigate. If you have a secondary Cardholder on your account, please check they have not carried out the transaction. What should I do if a transaction has appeared twice on my statement? Simply use the secure 'Contact Us' facility in the card servicing area to contact us. Or call MORE TH>N Customer Services on 0800 587 6600. You will need to provide us with the details and we will investigate. I have paid some or all of my balance, but it is not shown on my statement. What should I do? If you sent a cheque by post then please allow 7 working days for payment to reach your account. If it does not appear on your statement then please check with your bank. You may also use the secure 'Contact Us' facility in the card servicing area, write to us at MORE TH>N, Customer Services, Christopher Martin Road, Basildon, SS14 9AA or call us on 0800 587 6600 with the following information: your bank sort code your bank account number the cheque number the cheque amount the date, if any, the cheque was debited to your bank account Why is a Card purchase not showing on my statement? It can take some retailers or service providers some time to send in your signed vouchers. If you are still concerned after 45 days, then please use the secure 'Contact Us' facility in the card servicing area to provide us with details and we will investigate. I placed an order, which is showing in my transactions, but I have yet to receive the goods. What should I do? First, contact the shop or supplier you ordered from and discuss a new delivery date. If you still have a problem, then please use the secure 'Contact Us' facility in the card servicing area to contact us. Please provide us with the full details and we will investigate. I returned a Card purchase for a refund. Why is the refund not yet credited to my account? Because refund vouchers may take some time to process, please wait for 45 days. If after that time your account has not been credited, please use the secure 'Contact Us' facility in the card servicing area to let us know. We may ask you to send a copy of the voucher to us to investigate further. I bought an item with my Card, which is faulty, and the store refuses to replace the goods or give me a refund. What should I do? You have rights under the sale of goods legislation, which covers the sale of goods that are not satisfactory*. You should make every effort to obtain replacement goods or recover the money in question from the store. If this still fails, please use the secure 'Contact Us' facility in the card servicing area to provide us with full details of the transaction in question. *You may also have rights under the Consumer Credit Act. I have been overcharged on a Card purchase. What should I do? You need to write to MORE TH>N, Customer Services, Christopher Martin Road, Basildon SS14 9AA with full details and enclose a copy of the receipt for the item you bought. All queries of this nature must be dealt with in writing. Some businesses, such as hotels or car rental companies, sometimes charge you for additional items or damage to a vehicle direct to your Credit Card account. Again, if you still have a problem, please write to us. One of my Card purchases has been lost, damaged or stolen. What should I do? Your Card Purchase Protection insurance covers you against loss of, or damage to most goods within 90 days of purchase on the Card, with an excess of £50 per claim, with up to £1,000 benefit per claim and £5,000 benefit per year. If you would like to arrange for a claim form to be sent to you, please use the secure 'Contact Us' facility in the card servicing area to let us know, or call MORE TH>N Customer Services on 0800 587 6600. If I am late paying my bill, will you charge me? You will be charged £20, 2 days after you should have paid. You will continue to be charged £20 a month until you have paid off the overdue payment amount. for full details of our rates and charges click here. Privacy What is your Privacy Policy? We believe in protecting your privacy. To read our security statement please click here. What is the DPA (Data Protection Act 1998)? The DPA came into force on 1 March 2000, and was created to protect you. The DPA is the principal legislation in the UK governing the way in which personal information is handled. The DPA works in two ways. As a Card customer it gives you certain rights: Firstly, you are entitled to a copy of your personal information held by us on payment of a fee and you can challenge it if appropriate and claim compensation in certain circumstances as set out in the Data Protection Act. Secondly, the DPA imposes certain obligations on those who record and use personal information: they must be open about how the information is used and must follow the eight data protection principles. These say that personal information must be: fairly and lawfully processed processed for limited purposes adequate, relevant and not excessive accurate not kept for longer than is necessary processed in line with your rights secure not transferred to other countries without adequate protection What personal information do you need and what do you use it for? You will be asked to provide us with information which may be personal so that we may process your Card application, maintain your Card account and provide you with marketing information. In accordance with the Data Protection Act, we will not use any personal information which you give to us unless you tell us first that we can do so. Further information on the way we use your information can be found in our privacy policy. You have the right to opt out from receiving marketing communications. What is a cookie? A cookie is a special plain text file sent by a website server and stored on the user's own computer, enabling the site to recall information about the user during the same Internet session or when they next use the site. This site uses per-session cookies to manage your session. Per-session cookies only exist for the duration of your session and are only used to keep track of where you are in the application process or servicing area. They are neither used to store personal information of any kind nor to send information about your activity back to MORE TH>N, Accucard or any other organisation. Only an Accucard server would be able to view this cookie, and would be unable to see any other information stored on your hard drive, so your privacy will not be at risk. Security Is applying online safe and secure? Very. All online applications are encrypted using the latest 128-bit technology, providing your browser supports it. All personal details are fully encrypted so it's actually more secure than applying by phone or post. What can I do to improve security? always keep your user name and password confidential - never write them down never give your security details to anyone else never include your security details in an email never write down your PIN number. To change your PIN number to something more memorable for you, call customer services on 0800 587 6600 never leave your computer unattended whilst on the Card site always remember to log off before walking away from the computer or accessing other websites change your password frequently using the password feature What is the Security Statement? We protect you and your information. Security is of high importance to us. To read our security statement please click here. Can I access my Card account from behind a firewall? It is possible to access your account from your place of work if this is allowed. If your employer has firewall security, you may need to contact your employer's Network Administrator, or the person responsible for the security systems. What is the username? This is the name you chose as a safeguard against others accessing your account details. If you've forgotten it, go to 'reset password' on the first screen in the card servicing area. You will need to verify your identity, after which you can select a new password. What is the password? This is the password you chose as a safeguard against others accessing your account details. If you've forgotten it, go to 'reset password' on the first screen in the card servicing area. You will need to verify your identity, after which you can select a new password. How many letters and numbers should my username have? Your username should have at least 6 and no more than 20 characters in length with no punctuation marks, spaces or symbols. How many letters and numbers should my password have? Your password should have at least 8 and no more than 12 characters in length with no punctuation marks, spaces or symbols. IMPORTANT: your password must contain at least one letter and at least one number. Why has my log-in attempt failed? The username or password that you have entered is incorrect. Please try again remembering that the username and password are case sensitive. Check that the Caps Lock key has not been accidentally switched on. I have forgotten my current password. What should I do? Go to 'reset password' on the first screen in the card servicing area. You will need to verify your identity, after which you can select a new password. I have forgotten my username. What should I do? Go to 'reset password' on the first screen in the card servicing area. You will need to verify your identity, after your username will be confirmed on the screen. Why have I been locked out of my account? The personal details that you entered did not match our records. We have locked the account for your personal security. I urgently need to access my account. What can I do? If you have forgotten your username or password then go to 'reset password' on the first screen in the card servicing area. You will need to verify your identity, after which you can select a new password. Alternatively, please call MORE TH>N Customer Services on 0800 587 6600. If your account is locked, or you continue to encounter difficulties, please call Customer Services on the number above. What if I am unable to access the secure pages? We use Secure Socket Layer (SSL) encryption to protect data travelling between your PC and our secure website. If your browser does not support SSL, or has the support turned off in its option section, you may experience difficulty in accessing your account. In addition, some networks, particularly corporate networks, have "firewalls" protecting them. They may require SSL support to be configured centrally. If you get an error message which says that you cannot make a connection ("connection to server was reset"), check your browser is SSL enabled and, if you are on a corporate network which you are permitted to use for the purpose, please confirm with your IT department that secure http protocols are enabled. |
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