Balance Transfers*: 0% until 1 July 2008
Purchases: 0% until 1 October 2007
APR: 16.9% APR typical variable
0% anniversary offer for up to five months on balance transfers (plus fee**) made in July 2009 and July 2010
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*On all introductory balance transfers there is a 3.0% handling fee. ** On all balance transfers made in anniversary periods there is a 2.5% handling fee