Pay no interest until September 2018. New credit customers applying by 2nd July 2018. Representative 39.9%APR variable thereafter. Credit subject to status and affordability. Terms and Conditions apply. JD Williams & Company Ltd is authorised and regulated by the Financial Conduct Authority and can be found on the Financial Services Register. Firm Reference Number 311618. Registered office, Griffin House, 40 Lever Street, Manchester M60 6ES. Registered in England No. 178367. VAT registration number: 148 8796 03.
FOR FULL OFFER TERMS & CONDITIONS
WHO IS ELIGIBLE? -The offer is open to new personal credit account customers, and those converting their cash account to a personal credit account, who apply and are accepted between 29th of May and 2nd July 2018. This offer is not available to existing personal credit account customers.
HOW WILL INTEREST BE CHARGED AND WHEN WILL I PAY IT? - You will not pay any interest until your September 2018 statement providing that you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on the September 2018 statement will be calculated using the standard interest charging method detailed in your credit agreement. It will include interest on purchases made between the date your account was opened and interest on the opening balance of your September 2018 statement. That opening balance may include purchases made in previous statement periods.
DO I HAVE TO PAY INTEREST? - No, if you pay the full balance shown on your August 2018 statement by the payment due date, you will not pay any interest. However, if you pay less than the full balance, or you are late in making or fail to make any payment, you will be charged interest as set out above.
WHAT DO I NEED TO PAY? - In order to keep your promotional interest rate, you must pay at least the minimum payment shown on any statements you receive by the payment date shown on the statement.
WHAT HAPPENS IF I PAY LATE OR MISS A PAYMENT? - The promotional interest rate will end and you will be charged interest at the standard rate on purchases and opening balance on your next statement. We will calculate that interest in the manner set out in your credit agreement. You may also be charged a £12 administration fee.
WHAT ELSE DO I NEED TO KNOW? - If you choose not to pay the full balance shown on your August 2018 statement, we will charge you interest for any purchases you made before that statement was generated.