Very Statement Explained
Here's a quick run through of everything you'll ever need to know about your statement. Just click on the question mark icons to reveal the information.
You'll need this every time you place an order, return an item or have a query.
This is simply your statement number. If you target any of your payments to a Buy Now Pay later purchase we will let you know which future statement this will relate to.
This is a message console we will use to tell you about specific changes to your account or promotions.
You need to make at least the minimum payment each month which is £5 or 7% of the balance, whichever is greater. Payments allocated against Buy Now Pay Later purchases don't count towards the minimum payment until your Buy Now Pay Later period is finished.
With Take 3 you can spread the cost of your purchase over 3 months. If you pay this amount you will avoid interest on eligible items. The Take 3 amount will include your minimum payment unless otherwise stated.
Change from time to time. If you want to opt out of credit limit increases please contact 0344 811 1218.
Available to spend
This is how much you can spend before you reach your credit limit.
This is the amount you had spent at the time your statement was produced. If you’ve made any transactions or ordered anything since then it will show on your next statement.
This shows you any payments you’ve made and the date we've received them up until the date your statement was produced.
Your New Total
This includes any purchases, Buy Now Pay Later charges and payments within this statement period.
This is an estimate of the interest to be charged on your next statement including any Buy Now Pay Later interest assuming you only pay the minimum balance and nothing else on your account changes. This does not include any Buy Now Pay Later interest accrued in the payment free period but it does include interest due to be charged on your next statement after the payment free period has expired.
Your Payment Request
This is the total value of the items that require payment on your account now. This is the value we use to calculate the Minimum Payment and any interest.
Your payment will reach us by
This section of the statement will detail when your payment is due. If you pay by Direct Debit, it will show the exact amount and date the payment will leave your bank account. If you pay by any other method it will display the date your payment needs to reach us by.
For payments made by post please allow 7 days for them to reach us and 4 days for all other non-Direct Debit payment methods.
Buy Now Pay Later
This area tells you about your BNPL purchases in detail and your options to pay.