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0% interest for 4 months on purchases over £99

Balances after this period or transactions under £99 are charged interest at the standard variable rate. The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99.00 will be charged interest at 23.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.