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Your payment illustration

Your balance and rate
Your balance —
Your monthly interest rate —

We estimate your minimum payment is typically £—

Adjust your fixed monthly payment to see how fast you’ll pay it off:

Minimum —
Your balance —
Balance cleared by
—
—
Interest you’ll pay —
Total you’ll pay back
£—
Balance (—%)
Interest (—%)
Set up £— monthly Direct Debit
We may adjust your fixed payment when it’s less than the minimum payment due We’ll automatically take the minimum amount instead to help you avoid late fees and a negative impact on your credit score
These results are an illustration only.
We’ve assumed that:
  • Your minimum payment is 1% of your main balance plus interest.
  • You’ll make your monthly payments on time.
  • You won’t miss payments or go over your limit.
  • You have no additional spend or fees.
  • Your card’s terms and conditions stay the same.
  • Your full balance is all charged at your purchase interest rate, any promotional balances and rates are ignored.
  • You can comfortably afford what you pay.
  • Interest is charged on your remaining balance each month. Unpaid interest from one month is added to your balance and charged interest the next month. This means the true annual cost is slightly higher than your monthly rate multiplied by 12.