SUMMARY BOX

It's good to know the plain facts about your Sky Card.

This Summary Box gives you clear information about the key features of your card.

APR Typical 16.9% APR (variable)
Other rates Introductory Rates Monthly Interest Rate Annual Interest Rate
Purchases 0% interest for 4 months from account opening 1.313% 16.9%
Cash Advances N/A 1.873% 24.9%
Balance Transfers 0% interest for 12 months from account opening 1.313% 16.9%
Interest free period
  • Maximum 56 days for purchases (after the 0% introductory period) if you pay your balance in full and on time.
  • No interest free period on balance transfers (after the 0% introductory period), cash advances, or Sky Card cheques.
Interest charging information You will not pay interest on purchases if you pay in full and on time. Otherwise, the period over which interest is charged is as follows:

  From Until
Purchases Transaction date Repaid in full
Cash advances Transaction date Repaid in full
Balance transfers Transaction date Repaid in full
Allocation of payments Payments you make will be applied to your account in the following order:
1. Promotional Balances (including interest)
2. Interest and other charges
3. The Standard Balance
4. The Cash Balance
See Sky Card Terms and Conditions for further details.
Minimum monthly repayment 2.5% or £5 (whichever is greater).
If you only make the minimum repayment each month it will take you longer and cost you more to clear your balance.
Amount of credit Minimum credit limit of £500, maximum credit limit is subject to status.
Fees No annual fee.
Charges
Cash and cheques and gambling transactions (excluding Sky Bet): 2.99% (min. £2.99)
Balance transfers: 2.99% (min. £2.99)
Overseas transactions: 2.99%
Copies of statements: £5.00
Copies of transactions: £5.00
Default charges
Late payment fee: £12
Over credit limit fee: £12
Returned payment: £12
You can avoid paying additional charges by staying within your credit limit and ensuring that your monthly payments are received on time.
Pay less interest by repaying more each month

The example below assumes the following:
  • £1,000 purchase on 1st April 2008 and no further transactions made
  • Minimum payment of 2.5% or £5 (whichever is greater) is made
  • Typical rate of 16.9% APR variable is charged
  • Payment is made each month on payment due date
  • Credit limit is not exceeded
  • Calculation includes introductory rate on purchases
MONTHLY PAYMENT MINIMUM PAYMENT EACH MONTH £50 EACH MONTH £100 EACH MONTH
How much interest will be
charged in the first year?		 £93.32 £74.45 £38.44
How much interest will be
charged in the second year?		 £124.27 £43.08 None
How long would it take to
clear the balance?		 15 years 10 months 2 years 1 year
Cancellation right. You have a right to cancel this Agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Sky Card, PO Box 6476, Northampton NN4 1ZN. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.
If you would like this information in large print, Braille or audio format please call 0870 333 5470
For BT residential customers, calls to the 0870 number or requests on Sky Active will cost no more than 8p per minute, plus 6p call set-up fee (current at March 08). The price on non-BT lines may be different. Calls may be monitored or recorded in order to maintain high levels of security and quality of service.

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